Staff Risk Management (IC)

About Zippi

Zippi is on a mission to empower Brazil’s 22 million micro and small businesses (MSBs) with financial solutions that truly fit their needs.

We pioneered the use of PIX as a credit platform, enabling MSBs to access working capital instantly. With a single tap, our customers can pay business expenses while enjoying up to 10 days to repay, ensuring consistent cash flow for their operations.

Since launching three years ago, we’ve achieved profitability and experienced exponential growth. Today, we process over R$3.2 billion in payments annually and are rapidly scaling to become the leading payment solution in Brazil’s R$1.6 trillion MSB market. Much like credit cards transformed consumer spending, Zippi is redefining how MSBs manage cash flow.

Our success is fueled by a highly automated, data-driven approach. We’ve built an advanced technological infrastructure that processes vast amounts of payments and credit data, allowing us to underwrite, disburse, and collect at scale while maintaining strong unit economics. We manage the entire credit cycle in-house, leveraging cutting-edge data science to make real-time decisions with precision.

Backed by top-tier investors like Y Combinator and Tiger Global, we are assembling a world-class tech team to build a future where every small business in Brazil can thrive. If you’re looking for an opportunity to make a real impact in a cause that’s worth fighting for – at one of the fastest-growing startups in emerging markets, tackling a multibillion-dollar opportunity – Zippi is the place to be.

About the Risk Team

Risk owns the operating system that decides who to approve, at what limit and price, and how to collect – end-to-end and in real time. At Zippi, Risk is a technology function: we build on new rails and tools – PIX, Open Finance, and AI – to create the next generation of credit products for MSBs. We do this to serve customers well: give more entrepreneurs access to working capital exactly when they need it, with limits and repayments that fit their cash flow. Risk sits at the heart of how we fulfill our mission.

Great underwriting starts with truly knowing each customer’s business: consented Open Finance, PIX transactions, and behavioral + repayment signals give us a high-fidelity view of ability and intent to pay. On that foundation, our tech-led risk OS runs policies as code with real-time decisioning, versioning, and champion–challenger, making decisions fast, measurable, and scientific. LLM-powered product experiences personalize guidance and repayment, reducing effort to repay and cost to collect – driving more approvals at constant loss, earlier risk flags, cash-flow-aligned limits and pricing, higher retention, and a risk engine that compounds with every transaction.

What You’ll Do

As a Staff IC in the Risk team, you will be the technical cornerstone — the go-to expert for the rest of the team — driving and supporting the evolution of Zippi’s risk ecosystem.

• Be the technical cornerstone of Zippi’s Risk team – Act as the senior-most technical individual contributor in the Risk team, working as a thought partnerpartnering to Credit and Collections leadership. You’ll bring statistical depth, analytical rigor, and a strong product mindset to drive better decisions at every stage of the across all customer lifecycle.
• Design the Risk-Profitability Operating System – Lead the evolution of a robust, data-driven framework that ties credit risk, repayment behavior, and profitability – from first approval to final collection. Build tools and models that enable personalized, ROI-driven decisions across underwriting, exposure, and recovery.
• Embed Open Finance and PIX transactional behavior across the risk stack – Enrich the risk feature store with consented Open Finance and PIX streams to refine segmentation and optimize pricing & exposure in real time. Build pipelines, governance, and champion–challenger tests so policy changes are versioned, measurable, and linked to gains in approval, loss rate, and unit economics.
• Scale our AI-driven Collections platform – Own the roadmap for our LLM-powered, omni-channel collections agent (WhatsApp, in-app, voice/SMS) and its decisioning layer. Use causal uplift models and bandits to personalize cadence, tone, and incentives by segment; continuously learn from outcomes to cut roll rates and cost-to-collect while protecting CX and compliance. Ship a versioned policy engine with guardrails, live monitoring, and A/B infra for rapid iteration.
• Partner with Product to turn risk insights into features – Work closely with Product to turn new technologies into customer value – for example, explore a pay-as-you-go cash-flow repayment product leveraging the PIX Autopay roadmap. Collaborate early in the experimentation cycle to set hypotheses, instrumentation, and guardrails so we learn fast and ship novel features with confidence.

What We’re Looking For

• Proven track record of mastering complexity in risk management – You’ve driven high-stakes credit, collections, or fraud strategies where ambiguity was the norm and the impact was measurable. You’ve delivered outcomes that improved portfolio quality, reduced losses, or boosted ROI – not just reports or models.
• Deep statistical and analytical expertise – You bring a strong foundation in statistics and data science, capable of moving seamlessly from exploratory analysis to robust, production-ready models. You know how to balance rigor with speed to meet business needs.
• Fluent in the language of risk – Concepts like delinquency curves, provision modeling (PDD), portfolio segmentation, and exposure optimization are second nature to you. You can quickly assess trade-offs and connect risk decisions to long-term profitability.
• Influential communicator and cross-functional partner – You translate complex ideas into clear, actionable strategies for executives, operators, and technical teams alike. You know how to influence without authority and earn trust across the organization.
• Hands-on problem solver – You’re not afraid to get into the data, build the framework, and iterate on solutions yourself. You pair strategic thinking with a builder’s mindset to make things happen.

Why You Should Join Us

• A cause worth fighting for – Our mission is to help micro and small businesses thrive. Your work will directly impact 22 million Brazilian entrepreneurs, unlocking financial access in a massive, underserved market.

• Non-hierarchical, high-caliber team – You’ll be part of a tight-knit, collaborative team, working alongside world-class fintech founders and operators. Expect significant ownership in your work and the autonomy to drive meaningful impact.

• Steep career curve – We’re scaling quickly, and this role will put you in high-impact projects where you’ll gain invaluable experience and seniority in decision-making, strategy, and execution – faster than in most other roles.

• Own and build from day one – As an early team member, you’ll help build a well-funded and profitable Y Combinator-backed startup. This is a once-in-a-lifetime opportunity to join our rocketship and help build the company from the ground up!

• Top-tier compensation – We offer highly competitive pay, including a generous participation in our stock options program. You’ll also get a comprehensive benefits package, including healthcare coverage, a dedicated learning budget, meal allowances, wellness apps, and more.

  We’re flexible on compensation for the right person. If you’re excited about the opportunity but believe an adjustment to the package is needed, feel free to reach out.