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Jeeves is a financial operating system serving 5,000+ clients globally with corporate cards, cross-border payments, and spend management software. The company operates across 20+ countries and has raised over $380M from top-tier investors including Andreessen Horowitz, Y Combinator, and founders of unicorns like Nubank and Rappi.
Brazil is one of Jeeves's fastest-growing markets with rapidly increasing corporate card applications. This role adds underwriting capacity to the Brazil team, which currently relies on a single senior underwriter. You'll work alongside that senior underwriter, handling a growing share of the application queue while learning to make sound credit decisions at scale.
You'll perform credit analysis on new applications from Brazilian startups and SMBs, reviewing financial statements (DRE, balanço), bank data, bureau reports, and internal model scores. You'll prepare clear credit recommendations with proposed limits, key risks, and mitigants for review and approval. The role involves explaining how model scores and non-model assessments fit together, researching borrowers and industries, and working within agreed turnaround times.
Portfolio monitoring is a key responsibility: you'll run periodic reviews of existing accounts, track portfolio health metrics (utilization, payment behavior, delinquency), flag accounts needing attention, and partner with Collections on stressed accounts. You'll maintain organized account files so any teammate can pick up decisions.
You'll use AI tools (Claude, ChatGPT, Gemini) to support analysis and verify outputs against source data. You'll suggest improvements to AI workflows and help evaluate new Brazilian data sources. You won't hold final approval authority initially—you'll earn more as you build judgment and track record—but there's a clear path to a senior underwriting role as Brazil scales.
Cross-functional work includes giving Sales and Account Management timely answers on applications and limits, joining customer conversations when needed, and sharing market insights with the wider Credit & Risk team.
**Requirements:**
- 2–4 years of credit analysis, underwriting, or credit risk experience in Brazil (bank, fintech, FIDC, credit bureau, factoring company, or similar)
- Hands-on experience reading and analyzing Brazilian company financial statements and assessing repayment capacity
- Working familiarity with Brazilian credit data sources (Serasa, Boa Vista, SCR/Banco Central, or similar)
- Experience conducting client conversations to clarify financial and risk information
- Strong Excel or Google Sheets skills; comfortable building simple analyses from raw data
- Experience using AI tools (Claude, ChatGPT, Gemini) in analytical work, with curiosity to use them more
- Ability to write concise credit recommendations understandable to non-credit colleagues
- Fluent in Portuguese and professionally fluent in English (written and spoken)
- Based in São Paulo and able to work hybrid from the Av. Pres. Juscelino Kubitschek office
**Preferred Qualifications:**
- Experience underwriting SMB or commercial credit (not consumer-only)
- Exposure to corporate cards, payments, working capital, or revolving credit products
- Some experience with SQL, Python, or BI tools for data analysis
- Experience at a high-growth startup or fintech
- Degree in Finance, Economics, Accounting, Business, Engineering, or related field
