Risk Policy Manager
Job Locations: BR-SP‑São Paulo
Company Overview
If you see technology as a way to smooth your path in life, our team does too: Your Path, Our Journey.
We believe in technology that connects talented people who embrace diversity to create and share paths we don't even know about (yet!). We work to generate value not only for our users but, above all, for the communities we serve and for society as a whole, making every day better for everyone with mobility and delivery services (99) or digital payments (99Pay).
To make life easier for millions of people every day, since 2018, we have been part of DiDi DiDi Global Inc., the world’s leading mobility technology platform. We are pioneers in creating innovative solutions that start in Brazil and scale up to make a positive impact in more than 12 countries where DiDi operates. This innovation encompasses sustainability, safety, artificial intelligence, financial markets, and much more.
Whether building projects from scratch or improving our solutions, we enjoy challenges that give us butterflies, which is why we work at a fast pace with respect, collaboration, and good humor. Along this journey, we also draw strength from diverse experiences and opinions to grow together, fail quickly, learn, and adjust the course to create solutions that deliver even better results.
Team Overview
The Risk Policy team is responsable for managing credit risk for the Cash Loan product at 99Pay fintech business. We use state-of-art analytical tools combined with multiple source data to build our risk policy framework. We are looking for an open minded and data driven person who can add up to the team, contributing with ideas, studies and risk monitoring the porftolio. Our main goal is to balance growth, financial return and user experience.
Role Responsibilities
Responsible for the development, design, c credit strategies and processes for Brazil Credit Business.
Responsible for reviewing high-risk cases, inspecting whether there are operational risks or strategy loopholes in the process, and assisting the strategy team in reinforcing processes and strategies.
Responsible for conducting industry research, investigating the strategies and tactics of major competitors in the Brazilian market, collecting core data, and assisting the team in making informed decisions.
Responsible for collaborating with other local partnership teams in Brazil to address issues encountered during business operations.
Other tasks assigned by leadership.
Role Qualifications
Bachelor’s degree or above, preferably in Mathematics, Statistics, Engineering or related disciplines;
At least 3 years of experience in risk control strategy management, with solid expertise in strategy frameworks, and a deep understanding of business models in areas such as n non-collateral loans, credit cards or BNPL;
Proficient in data analysis and programming, with practical experience using SQL, Python, or similar analytical tools;
Strong communication skills, logical thinking, and teamwork abilities; data-driven mindset with a strong sense of ownership;
Experience working in international teams is preferred; fluency in English as a working language i s required.
EEO Statement
We create customer value – We strive to always create valuable experiences for our users in everything we do. Our focus is to always innovate new experiences that are safe, pleasant, and efficient.
We are data-driven – We are strong believers in making informed decisions, that’s why we are data-driven. We can better navigate the business landscape strategically by analyzing valuable metrics.
We believe in Win-win Collaboration – Success is a team sport. When we work to help our partners and colleagues win, we win, too. While keeping everyone's best interest at heart, we communicate with candor and execute with excellence in all we do.
We believe in integrity – Integrity is at the very core of our business. We are people who always want to do the right thing. Our intentions are sincere, we speak our minds and listen to each other.
We always strive to do better. That means venturing beyond our comfort zones, learning from our mistakes, and helping each other grow.
We believe in Diversity and Inclusion – Diversity is one of our biggest strengths. Our differences are what makes us distinct. We respect each other and believe in equal opportunities for all.
Diversity & Inclusion
Diversity is not a future vision or a wish for something we want someday; it is a non-negotiable value of who we are today.
We embrace inclusion, plurality, and respect, and to achieve this, we rely on the governance of the Diversity Committee, which works alongside HR, our leadership, and identity groups—99Adapta, 99Afro, 99Colors, 99Womem, and 99Familys.
This is our ongoing journey, with much more still to come.
We reinforce that this position is open to everyone, including pregnant people and people with disabilities (PwD).
I acknowledge that prior to submitting this application, I have read and accepted the Privacy Notice for Candidates which is available on https://careers.didiglobal.com/terms
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