Universo is a financial institution leader in the issuance of credit cards in Portugal (“Cartão Universo”) with more than 1 million customers. It has the goal of disrupting the banking industry in Portugal by innovating in the area of consumer payments, credit and insurance.

Our clients are the stars that set our course and make our work shine.

Want to be part of our Universe?

We are hiring a Collections Analyst – Collections Technology & Recurring Portfolio Sales to our Collections and Recovery Team.

We are looking for someone to support the management of technology projects and operational processes related to collections and recurring portfolio sales, working from Lisbon or Maia. This role involves coordinating tasks, ensuring process efficiency, and collaborating with internal teams, vendors, and clients to achieve business objectives. It is an opportunity to develop project management skills while gaining experience in financial operations and technology-driven solutions.

You will be responsible for:

• Assist in coordinating technology projects related to collections
• Monitor and support operational tasks associated with recurring portfolio sales
• Help organize and update client databases and portfolio status
• Prepare operational and performance reports for internal and external review
• Act as the first point of contact for clients or partners regarding process inquiries
• Collaborate in defining and implementing process improvements alongside technology teams
• Ensure compliance with internal policies and industry regulations
• Support the preparation of documentation for portfolio sales and due diligence processes
   

If you have:

• Educational background in Business, Finance, Technology, or a related field
• Interest in financial operations, collections, and technology-driven solutions
• Previous experience in collections of at least 1 year (preferential)
• Ability to organize tasks efficiently and manage priorities in a structured way
• Strong analytical mindset with attention to detail
• Comfortable working in a collaborative and dynamic environment
• Basic proficiency in data analysis and project management tools (e.g., Excel, Trello, Jira)
• Experience or willingness to learn Power BI for reporting and data visualization
• Effective communication skills, both written and verbal
• Familiarity with CRM tools and collection management systems
• Understanding of credit analysis and due diligence concepts

If you are:

• A strong problem-solver with analytical thinking skills
• Adaptable to dynamic and fast-paced environments
• Proactive and eager to continuously learn
• A team player with strong interpersonal and collaboration skills
• Resilient and capable of managing multiple tasks simultaneously

What we offer:

• Flextime and a hybrid working model, allowing you to work smarter instead of longer
• Professional growth –you will have a personalized training plan
• A diverse and inclusive working community, where working together is not only a large part of our day-to-day, but one of the most important essentials of our Universe
• Extensive senior management exposure