Credit Risk Vendor Performance Senior Analyst

Sao Paulo - Brazil

Sales & Business Development Regular

About the company

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.


#LI-Hybrid

About the team/role

Overview：

  • We are looking for an experienced Partnership Manager based in Brazil to build and manage our credit risk and core infrastructure partner portfolio to support our growth of the credit business
  • This role focuses on vendor strategy and management, performance monitoring, and commercial optimization
  • This role covers the partner management through the full credit lifecycle — including pre-loan bureau partnerships, third-party data sourcing, post-loan recovery infrastructure, and credit distribution channels
  • This role requires strong commercial acumen, sound understanding of the local fintech landscape of the credit business, and the ability to work across global and local teams to support to optimize our credit risk management infrastructure and performance.
  • This role works closely with Credit Strategy, Collection Operations, Risk, Product, and external partners

In this role, you'll be...

Key Responsibilities

  • Partner Strategy & Lifecycle Management: Identify, evaluate, and onboard key local providers across the credit risk lifecycle, including pre-loan data (bureaus, Open Finance), post-loan collection/recovery platforms, and credit marketplace channels.
  • Commercial & Contract Excellence: Negotiate and manage contracts with partners to optimize cost, performance and compliance. Benchmark pricing and manage commercial terms for a sustainable cost structure.
  • Integration & Solution Delivery Support: Serve as the primary point of contact between local business teams and global risk/product teams to translate requirements into effective partner solutions and support the integration of new data products and APIs.
  • Performance & Vendor Governance: Monitor partner performance against SLAs and business objectives. Execute structured vendor evaluations and ROI analysis to drive continuous improvement.
  • Market & Regulatory Insight: Maintain up-to-date knowledge of Brazil’s regulatory environment and fintech credit risk and infrastructure developing trends to proactively identify new opportunities and ensure compliance.

We're eager to be in touch because you have...

Qualifications

  • At least 2 years of relevant experience in partnership management, business development, or vendor management within Brazilian fintech, banking, or credit risk infrastructure/solution providers.
  • Deep understanding of Brazilian credit business ecosystem and risk management lifecycle
  • Strong commercial and analytical skills, with experience in budgeting and cost optimization.
  • Fluent in Portuguese and professional working proficiency in English.

Preferred:

  • Proven track record in negotiating and managing contracts with key Brazilian credit risk infrastructure and/or SaaS partners.
  • Experience working in a global fintech or tech company with matrix reporting structure.
  • Background in risk operations, analytics, or consulting within the Brazilian market.

You'll love working at DiDi because...

We create user 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.

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.

Growth
We always strive to do better. That means venturing beyond our comfort zones, learning from our mistakes, and helping each other grow.

Diversity and Inclusion
Diversity is one of our biggest strengths. Our differences are what make us distinct. We respect each other and believe in equal opportunities for all.

Diversity & Inclusion

Diversity is not a vision of the future or something we wish to have one day, it is a non-negotiable value of who we are.

We practice inclusion, plurality, and respect. And we count on the governance of the Diversity Committee, which works together with HR, leadership and identity groups - 99Adapta, 99Afro, 99Cores, 99Mulheres, and 99Mamães. This part of our journey has been written, there remains a long road before us.

We reinforce that this position is open to everyone, including pregnant people and people with disabilities (PwD).

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