Brazil
Pavago
Accenture
Consulting Manager – NPL Collections Intelligence
Brazil
São Paulo, São Paulo, Brazil
Automatic translation. Check the original.
About Accenture
Accenture helps the world's leading companies reinvent themselves by building their digital core and unlocking the power of AI to generate value at speed across organizations in all industries. Our strategy is to be the preferred reinvention partner for our clients, lead the adoption of AI securely and at scale, be the most customer-centric AI-driven company, and be the best place to work. We bring together the talent of approximately 786 thousand people with proprietary assets and platforms, deep process and industry knowledge, and leading ecosystem relationships to deliver integrated solutions and measurable results at scale. Through our Reinvention Services, we offer broad expertise in Cybersecurity, Digital Core, Finance, Industry & Enterprise, Song, Supply Chain & Engineering, and Talent, with advanced capabilities in AI & Data, Industry & Processes, and Technology. We serve approximately 9 thousand clients and generated approximately US$ 70 billion in revenue in fiscal year 2025.
Visit Accenture at accenture.com.
Accenture is a leading global professional services company that helps the world’s leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services—creating tangible value at speed and scale. We are a talent- and innovation-led company with approximately 791,000 people serving clients in more than 120 countries. Technology is at the core of change today, and we are one of the world’s leaders in helping drive that change, with strong ecosystem relationships. We combine our strength in technology and leadership in cloud, data and AI with unmatched industry experience, functional expertise and global delivery capability. Our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Song, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients reinvent and build trusted, lasting relationships. We measure our success by the 360° value we create for our clients, each other, our shareholders, partners and communities.
Visit us at accenture.com
The Opportunity
Accenture is seeking a Consulting Manager to work on strategic projects in the Financial Services sector, focusing on NPL collections intelligence, non-performing loan portfolio management, credit recovery, data, analytics, digital transformation, and artificial intelligence.
In this role, you will lead high-impact initiatives, supporting clients in evolving operational models, digital journeys, governance, analytical capabilities, and business outcomes.
We are looking for an executive profile with a solid business vision, experience in the financial sector, and the ability to connect strategy, technology, and data to generate measurable results.
What you will do day-to-day
- Lead strategic and transformation consulting projects, ensuring delivery excellence, scope management, and client executive relationship management.
- Develop diagnostics, recommendations, and action plans for critical business, risk, operation, data, and technology issues.
- Develop recommendations for collections strategy, portfolio segmentation, trigger campaigns, renegotiation, recovery, digital channels, partner management, operational efficiency, and NPL governance.
- Support collections intelligence models, including prioritization, strategies by delinquency band, discount policies, payment propensity, next best action, and performance monitoring.
- Track indicators such as delinquency, aging, roll rate, cure rate, recovery rate, net recovery, cost per recovery, channel efficiency, contact rate, promise to pay, and broken promises.
- Connect business vision, technology, data, and artificial intelligence to support strategic decisions and accelerate value generation.
- Manage multidisciplinary teams, guiding consultants and analysts in structuring analyses and executive narratives.
- Coordinate timelines, risks, dependencies, and delivery quality, acting proactively in resolving deviations.
- Support proposals, RFPs, account expansion, and strategic client relationships.
- Contribute to Accenture's methodologies, assets, and approaches.
What we are looking for in the person who will join the team
- Solid experience in consulting, business transformation, or leadership positions in financial institutions.
- Ability to lead executive conversations, structure complex problems, and communicate recommendations clearly.
- Knowledge of the collections and recovery cycle, including early arrears, collections strategy, segmentation, renegotiation, settlements, amicable collection, legal collection, recovery, provisioning, and loss management.
- Business acumen regarding collections operations, customer experience, digital channels, operational efficiency, partner management, non-performing loan portfolio governance, and the use of AI in credit recovery.
- Fluency in the interface between business, technology, data, risk, compliance, and operations.
- Experience in managing complex projects, multiple workstreams, and high-performance teams.
- Business acumen regarding operational efficiency, customer experience, digital transformation, and the use of AI in financial services.
- Advanced English for meetings, executive presentations, and global interactions.
- Undergraduate degree in Business Administration, Economics, Engineering, Law, Finance, Mathematics, Statistics, Technology, or related fields. Postgraduate studies or an MBA will be considered a plus.
Additionally, knowledge is desirable
- Experience in collections transformation, platform modernization, renegotiation policy review, decision engines, payment propensity models, next best action, journey automation, or AI applied to credit recovery.
- Knowledge of portfolio assignment, legal collections, credit bureaus, financial regulation, LGPD, data governance, risk models, and vendor management.
Benefits
- 🏥 Health Insurance – 100% subsidized by the company (primary member and dependents)
- 🦷 Dental Insurance
- 🍽️ Meal or Food Voucher with no discount
- 🛡️ Life Insurance
- 📈 Private Pension Plan
- 🏋️ Welhub*
- 📉 Option to purchase company stock at a discount
- 💊 Pharmacy Discount*
- 👶 Childcare Assistance*
- 📚 Partnership with a language school*
- 👨👩👧 Extended Maternity and Paternity Leave
- 💰 PPR*
*According to current policy
*Work Tools
- 🚗 Company car;
- ⛽ Fuel allowance;
- or
- 💳 Mobility Allowance.
*According to current policy. Eligible for executive positions (Manager and above).
Equal Employment Opportunity Statement
Job Location: Hybrid – São Paulo/SP
We believe that no one should be discriminated against because of their differences. All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, military veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by applicable law. Our rich diversity makes us more innovative, more competitive, and more creative, which helps us better serve our clients and our communities.
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