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Business Development Sr Manager - Credit Risk

Lenovo -
São Paulo, SP

Candidate-se Agora

Detalhes da vaga

Tempo integral

Qualificações

Subscrição
Inglês
Serviços Financeiros
Inteligência artificial

Descrição completa da vaga

General Information

Req #

WD00099014

Career area:

Sales Support

Country/Region:

Brazil

State:

São Paulo

City:

SAO PAULO - SP

Date:

Friday, June 12, 2026

Working time:

Full-time

Additional Locations:

Brazil - São Paulo - SAO PAULO - SP

Why Work at Lenovo

We are Lenovo. We do what we say. We own what we do. We WOW our customers.

Lenovo is a US$83 billion revenue global technology powerhouse, ranked #196 in the Fortune Global 500, and serving millions of customers every day in 180 markets. Focused on a bold vision to deliver Smarter Technology for All, Lenovo has built on its success as the world’s largest PC company with a full-stack portfolio of AI-enabled, AI-ready, and AI-optimized devices (PCs, workstations, smartphones, tablets), infrastructure (server, storage, edge, high performance computing and software defined infrastructure), software, solutions, and services. Lenovo’s continued investment in world-changing innovation is building a more equitable, trustworthy, and smarter future for everyone, everywhere. Lenovo is listed on the Hong Kong stock exchange under Lenovo Group Limited (HKSE: 992) (ADR: LNVGY).

This transformation together with Lenovo’s world-changing innovation is building a more inclusive, trustworthy, and smarter future for everyone, everywhere. To find out more visit www.lenovo.com, and read about the latest news via our StoryHub.

Description and Requirements

Sr Business Development Manager - Credit Risk - Consumer & Retail Lending
Financial Services / Fintech · Brazil · Argentina · Colombia · Mexico

Overall Description: We are looking for an experienced and strategic credit risk leader to build and lead our consumer financing function, with a primary focus on smartphone financing and direct-to-consumer (CDC) retail lending. The ideal candidate has a proven track record of structuring credit areas from the ground up, strong analytical skills and the ability to bridge technical modeling with business strategy. In this role, you will work closely with fintech partners to design and scale credit solutions and, as we expand across Latin America, you will own the end-to-end credit risk strategy for our personal retail portfolios in Brazil and play a key role in adapting our credit frameworks to new LATAM markets — including local regulatory environments, bureau ecosystems and consumer credit behavior. This is a high-ownership role for a builder who combines analytical depth with the cross-border business fluency to operate across Brazil, Argentina, Mexico, Colombia and beyond.

Key Responsibilities:

Lead the full CDC (Crédito Direto ao Consumidor) credit strategy: smartphone financing, personal loans, payroll-deductible (consignado) and retail consumer financing.
Define and evolve credit policies, underwriting criteria and risk appetite for PF retail segments.
Own end-to-end credit cycle: origination, behavioral scoring, portfolio monitoring, collections strategy and PDD provisioning.
Govern FIDC (Fundo de Investimento em Direitos Creditórios) structures, support investor reporting and auditor relations.
Lead fraud prevention: rules engines, bureau integrations and identity validation.
Define and monitor portfolio KPIs: vintage curves, delinquency buckets, loss rates and profitability per cohort.
Act as 2nd-line governance partner — independently challenging 1st-line credit decisions and escalating emerging risks.
Partner with Product and Technology to embed risk intelligence into new product design and automated decisioning.
Partner with Product, Legal, Business Development and Marketing to design credit-ready go-to-market strategies for each new country.

✅ Skills & Requirements:

8-12 years in credit risk, with 3+ years in a senior or lead role in financial services or fintech.
Deep expertise in CDC (Crédito Direto ao Consumidor) and personal retail credit — origination, behavioral scoring, collections and loss provisioning.
FIDC (Fundo de Investimento em Direitos Creditórios) governance and securitization experience (liability-side investor relations).
Track record in PF retail products: smartphone financing, personal loans, payroll (consignado), credit cards, or consumer installment financing.
Hands-on experience with PDD/ECL provisioning and Bacen regulatory frameworks.
Proven ability to build or scale credit areas from scratch in growth-stage environments.
Strong data skills.
Fluency in Portuguese, English and Spanish languages.

Preferred Qualifications (these will be considered a plus):

Prior exposure to credit operations in Mexico, Colombia, or Argentina — knowledge of local bureau ecosystems and regulatory frameworks.
Experience with open finance/open banking data in credit decisioning.
ML-based scoring (gradient boosting, logistic regression at scale).
Experience with cross-border product launches or regulatory market entry processes.
Passion for ESG, financial inclusion, or impact-driven lending models.

This position is located at Rua Werner Von Siemens 111, São Paulo.

#MBG

Additional Locations:

Brazil - São Paulo - SAO PAULO - SP

Brazil

Brazil - São Paulo

Brazil - São Paulo - SAO PAULO - SP

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