B2B Credit Policy Specialist
As a B2B Credit Policy Specialist at Wellhub, you will play a pivotal role in shaping the company's financial strategies within the Financial Solutions New Ventures team based in São Paulo, Brazil. Wellhub is a global leader in workplace wellness, connecting employees worldwide to top-tier partners in fitness, mindfulness, therapy, nutrition, and sleep through a unified subscription platform. This position offers the opportunity to contribute significantly to the company's mission of making every company a wellness company.
In this strategic and analytical role, you will be responsible for designing and implementing policies for granting, maintaining, and expanding B2B credit limits. Your day-to-day activities will include monitoring key performance indicators such as delinquency rates, bad debt, and payment behaviors across the active portfolio. Additionally, you will conduct studies to define pricing strategies, calibrating commercial conditions based on risk levels to ensure a balance between competitiveness and contribution margin. Collaborating with the Data team, you will develop credit scoring and behavior scoring models tailored to Wellhub's business model, and act as an internal consultant for Sales and Customer Success teams to balance portfolio growth with financial health.
The ideal candidate holds a bachelor's degree in Engineering, Economics, Statistics, Business Administration, or a related quantitative field. A proven track record in B2B Credit Risk, particularly in developing credit policies, limit management, and risk-based pricing, is essential. Proficiency in advanced SQL for data extraction and experience with data visualization tools such as Tableau, Power BI, or Looker are required, with knowledge of Python or R considered a strong plus. Hands-on experience in building or calibrating automated decision engines and credit scoring models is crucial. A deep understanding of corporate financial statements, especially within the SME segment and SaaS/recurring revenue models, is necessary. Familiarity with credit bureaus and the Brazilian financial regulatory landscape, along with strong analytical thinking and a proactive approach to problem-solving in fast-paced environments, are also important. Advanced English proficiency is required for global collaboration.
Wellhub offers a comprehensive benefits package, including a free Gold+ membership with access to onsite gyms and studios, digital fitness programs, and online wellness resources. Employees can add up to three family members to their plan, ensuring access to wellness for those who matter most. The company provides a complete emotional wellbeing program with personalized journeys that combine individual therapy sessions and on-demand content. Health, dental, and life insurance are included, along with flexible work options, paid time off, and paid parental leave. Career growth is supported through access to world-class platforms, interactive sessions, personalized development roadmaps, and internal opportunities. The company fosters a culture of trust, open communication, and learning, where every perspective matters, and employees are empowered to take ownership of their roles and wellbeing.