Sr Collections Analyst - São Paulo

Who we are

At R2, we believe that small and medium businesses are the productive engine of society. Small and medium businesses (SMBs) make up over 90% of companies in Latin America, yet they face a trillion-dollar credit gap. Our mission is to unlock SMBs’ potential by providing financial solutions tailored to their needs. We are reimagining the financial infrastructure of Latin America – where SMBs’ financial needs are satisfied without ever having to go to a bank.

R2 enables platforms in Latin America to embed financial services that SMBs can then leverage (starting with revenue-based financing). We are a tight-knit team coming from organizations such as Amazon, Google, Nubank, Capital One, Uber, Mercado Libre, Globant, J.P. Morgan and HSBC. We are backed by world-class investors such as Gradient Ventures (Google’s AI-focused fund), COMETA, General Catalyst, Hi Ventures, Y Combinator, Femsa Ventures, Prosus, Endeavor Catalyst, among others.

The role

We are looking for a Senior Collections Analyst to join our team in Brazil. This role offers a unique opportunity to shape R2’s collections model in the country. You will be responsible for building, managing, and continuously improving collections operations in Brazil, with high exposure to AI, data-driven decision making, and collaboration with cross-regional teams.

While part of your work will support the initial launch, this is a long-term role with full ownership of local collections processes—from strategy design to vendor management and regulatory compliance.

Responsibilities

• Lead the definition and implementation of collections strategies tailored to the Brazilian market, applying best practices from the financial industry.
• Design and optimize communication flows across all delinquency stages (SMS, WhatsApp, phone calls, emails), from early collections to high-delinquency cases, portfolio sales, and complaint handling.
• Identify, onboard, and oversee relationships with local providers such as payment processors, collections agencies, and legal partners for judicial actions.
• Supervise external agencies, ensuring compliance, alignment, and performance delivery.
• Ensure full compliance with Brazilian regulation (CDC, LGPD) across all collection activities, in close coordination with our Legal team.
• Monitor, analyze, and report collections performance across portfolios, using data insights to drive improvements and maximize recovery rates.
• Collaborate closely with Risk as the main stakeholder, while aligning with Product, Legal, Finance, and Operations.

Requirements

• 4+ years of experience in collections or credit operations in the Brazilian market.
• Strong knowledge of local collections practices, regulations, and providers (CDC, LGPD, credit bureaus).
• Experience managing external vendors and building strong partnerships.
• Ability to monitor KPIs, analyze results, and implement process improvements.
• Fluency in Portuguese and English (oral and written).
• Excellent problem-solving, communication, and stakeholder management skills.

Nice to Have

• Experience in fintech or high-growth startup environments.
• Background in legal collections or judicialization processes in Brazil.
• Familiarity with credit bureau integration and reporting.
• Experience with automation tools, CRM, or collections platforms (Zoho, Salesforce, etc.).
• Basic to intermediate Spanish.

Location
São Paulo (Hybrid / Remote-friendly)