At SumUp, we are motivated to empower small businesses across the globe. We believe anyone can run a thriving business, and we support them by de-hassling their lives and offering simple and affordable tools to manage payments, finance and customer relationships. Our vision as a global fintech company is to build the first-ever global card acceptance brand, and we are well on our way as small businesses in 30+ countries around the world rely on SumUp to get paid. To get there, we are putting together an awesome team that is committed to one another and to our merchants.

Our boldness, startup mindset, empathy and love for product foster a creative environment for our employees. We value an entrepreneurial spirit and seek to build lasting relationships among our employees. We know that a diverse and inclusive workforce keeps us competitive and provides opportunities for all. We believe that together we can help small businesses grow.

The Job

SumUp's Lending team is looking for a Credit Risk Manager to take us to the next level when it comes to credit risk in the digital world. 

We are looking for someone who loves to take on a challenge, transforming data into meaningful insights and those insights into projects together with our international squads. We aim to raise the level of risk analysis at Sumup and consequently impact the lives of millions of small merchants all over Brazil and maybe even globally. 

Additionally, for this position we require that you should have a proven track record in the world of best practices in Credit Risk, problem-solving skills and good communication skills to interact with local and global stakeholders.

What you'll do in this position

• Contribute in defining the eligibility criteria and risk distribution for our portfolio in Brazil, and support your peers in other markets
• Communicate with different types of stakeholders, such as business leadership for the markets, internal financial teams, investors, amongst others,in order to guarantee clear alignment between our credit risk strategy and the overall SumUp business
• Interact with Engineering teams (Data Scientists, ML Engineers and Software Engineers) to understand how to operate within our systems and always providing meaningful feedback on what could be improved
• Question and revise our credit risk strategies and processes seeking continuous improvement 
• Test and implement new data providers to raise our decision power and add value to boost our performance for current products and new ones
• Guaranteeing our international squad is on top of our main issues and together come up with solutions to take us to the next level of credit risk for current and new merchants

You'll be a great fit for this position if

• You have 4+ years of experience on Credit Risk assessment defining policies for lending products
• You speak fluent English - you'll be part of a truly global team :) 
• You are highly motivated, hands-on, focused and striving to learn and improve your skills
• You work well autonomously and across different areas and positions
• You have a great stakeholder management
• You have advanced Excel skills and you’re a data driven person
• You have excellent communication, presentation and interpersonal skills - you are able to communicate ideas and concepts with team members from a wide range of positions, countries and cultures, and to build strong and productive relationships

Any of the following is considered a plus

• SQL knowledge. You’re going to have access to analytical database (Snowflake) and will be able to perform queries and build your own analyses
• You’re familiar with and get excited about Data Science. We solve our credit risk problems with Machine Learning models
• You’re familiar with Financial reports to provide visibility of our loan book to internal and external stakeholders

Why you should join SumUp

• We're a truly global team of 3200+ people from 80+ countries, spread across 4 continents
• A dedicated annual Learning & Development budget (up to 10,000 BRL per year) for attending conferences and/or advancing your career through further education
• Enrollment onto our virtual stock ownership program - you will own a stake in SumUp's future success
• The opportunity to work on large scale fintech products used by millions of businesses around the world
• SulAmérica health insurance plan (co-participation), Caju benefit (multiple possibilities: meals, culture, health), Partnership for mental health activities with Zenklub, optional dental assistance, transport voucher, Gympass, life insurance and more
• You'll have the freedom to work from anywhere in Brazil. Our office is based in the heart of São Paulo, one of LATAM's leading tech hubs and most vibrant cities
• Access to the SumUp Sabbatical program, our Employee assistance program for mental health

You will report directly to the Lending Head of Credit Risk.

SumUp is an Equal Employment Opportunity employer that proudly pursues and hires a diverse workforce. SumUp does not make hiring or employment decisions on the basis of race, color, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited.

Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.