Head of Credit

About Grupo QuintoAndar

We are Grupo QuintoAndar, the largest housing platform in Latin America. Driven by our shared purpose of helping people love where they live, we build technology and solutions that simplify the entire housing journey, from renting to buying and selling.

Operating across 6 countries (Brazil, Mexico, Argentina, Peru, Ecuador, and Panama) and with a technology hub in Portugal, we bring together more than 3,100 people united by the challenge of transforming the real estate industry. Backed by top global investors such as SoftBank, General Atlantic, and Kaszek, we have raised over US$ 755 million and are valued at US$ 5.1 billion.

We lead market transformation as pioneers in large-scale Artificial Intelligence applications for the real estate sector. Our platforms welcome over 50 million monthly visits, managing more than 350,000 active rental contracts and processing R$ 20 billion in annual transaction value.

If you are looking to solve complex problems with autonomy, cutting-edge technology, and massive scale impact, come on in, the house is yours.

To learn more about our story, visit: https://grupoquintoandar.com/

Location & Work Model

Our Credit team works in a hybrid model, combining remote work flexibility with in-person collaboration at our São Paulo office, one week a month.

About the role 

Reports to the Credit Director. Owns the credit policy and pricing for QuintoAndar's financial products, both current (like rent anticipation) and those we are about to launch in our ecosystem. This is a unique opportunity to build and lead a highly senior, "AI First" credit structure. You will have the autonomy to design strategies that function less like a traditional bank and more like a data science environment, fostering a horizontal and hands-on culture.

What this person will do

• Lead the design and evolution of credit policies and pricing for financial products, starting as an individual contributor and building a robust team of senior specialists.
• Operate within a marketplace ecosystem, offering credit solutions that solve real needs for our existing clients (e.g., landlords and tenants), creating a virtuous cycle rather than standard open-market prospecting.
• Structure the team's experimentation agenda (hypothesis, test design, holdout, reading results) ensuring decisions are rigorously backed by data and close to data science practices.
• Identify where AI can improve policies, pricing, or processes, validating and implementing these innovations to scale our financial products.
• Act as Credit's main point of contact with Data, Product & Tech (P&T), Treasury, Strategy, and Growth, ensuring seamless product launches and alignment.
• Maintain the health of our ecosystem by balancing profitability with customer retention, avoiding abusive interest rates and keeping clients active in the QuintoAndar platform.

What we're looking for

• Solid and proven experience in credit risk, having navigated through roles involving policy, modeling, pricing, or portfolio management.
• Experience managing specific credit products such as personal loans or working capital.
• A strong analytical bar and a genuine curiosity for AI and new technological techniques.
• An owner's mindset and a hands-on approach. Familiarity with tools like Python, GitHub, Airflow, or Databricks is considered a strong plus.
• Knowledge of banking regulations (such as IFRS 9 and BCB 4966).
• Proven ability to manage stakeholders across different areas (technical and business) and build structures from the ground up.
• Bonus: A career path that ideally blends the solid risk foundations of an incumbent bank with the fast-paced, generalist agility of a fintech or digital bank.

What Is Our Selection Process Like?

We designed a transparent and straightforward journey focused on evaluating your technical and behavioral potential, while giving you the opportunity to get to know our teams and career paths:

1. Application and Profile Review

2. Initial Recruiter Conversation

3. Hiring Manager interview

4. Technical Assessment 

5. Stakeholders Interview

6. Reference Check

7. Offer & Welcome!

Important: We review all applications individually and guarantee feedback for every candidate. All communication is conducted via email, so please make sure to allow emails from @quintoandar.com.br in your inbox.

Benefits

We offer a comprehensive package designed to support your health, well-being, family, and professional growth:

• Compensation: Competitive salary, PLR (Annual Performance Bonus - for eligible roles), and Variable Compensation (for eligible roles).

• Health & Well-Being: Health Plan, Dental Plan, Life Insurance, Wellhub (Gympass), and QuintoCare (free psychological, legal, social, and financial support).

• Quality of Life: Meal and Food Vouchers, Birthday Day Off, Mother's Day, and Father's Day.

• Flexibility: Home Office Allowance and the Work From Anywhere (WFA) program.

• Family & Care: Childcare Allowance, Atypical Parenting Allowance, Extended Parental Leave, and Kit Leiturinha (children's book club).

• Education & Career: Partnerships and discounts with educational institutions.

**
Diversity & Inclusion at Grupo QuintoAndar**

We value diversity and want everyone to feel welcome here, regardless of their age, gender identity, sexual orientation, race, color, ethnicity, origin, disability, religion, or any other characteristic. All our job openings are open to all individuals!

You'll notice there are some diversity questions in the application form. For affirmative action roles, this information may be used to verify your alignment with the target audience for the opportunity. In such cases, it may be used for elimination purposes. For non-affirmative action roles, this data will be used anonymously, exclusively to monitor and improve our inclusion practices in the hiring process, and will have no impact on your application.

**

Privacy and Data Protection**

The Grupo QuintoAndar operates in compliance with privacy and data protection laws, including, but not limited to, the Brazilian General Personal Data Protection Law (LGPD) (Law No. 13,709/2018), and ensures the security of your data. To learn more, please access our Privacy Notice for Candidates. For questions or to exercise your rights as a data subject, please contact us through our Service Channel.