Ume
Grow revenue with your own AI-powered credit
Careers at Ume

Careers at Ume

We build technology and use AI to transform how businesses grow with financial services, shifting paradigms the market never questioned.

We're looking for people who want to do the hardest, most consequential work of their career with us.

Backed by the biggest investors in Brazil and the world

Who we are

It's not a job,
it's a way of life.We are owners and builders.

We are a team of exceptional people with different backgrounds, connected by a shared ethos and a commitment to work hard, deliver our best work and grow the business into a category-defining company.

We hire for entrepreneurial instinct: people who treat a task, a project or an entire department as their own startup, accountable from the problem to the result.

2 in 3Umers have founded a business or worked at an early-stage startup or scale-up.
3xgrowth in 2026 over 2025 — and still accelerating.
4M+consumers in the Ume network.
10K+points of sale on the network.
The Ume Way

Some people can't leave things alone.We built a company out of those people.

01

We build.

We see problems, create solutions and build what doesn't exist yet.

02

We own.

We seek context, make decisions and take responsibility for the results.

03

We multiply.

We use technology, knowledge and talent to leave the company more capable than we found it.

Build what doesn't exist.Own what matters.Change what's possible.

Values

Mission Unlock opportunities for people and businesses

01 / 05 Extreme Ownership

Own the problem.Own the outcome.

We own the problem, the solution and the consequences — including what didn't work.

  • Every problem has an owner. If it doesn't, it's you.
  • Shipped it? Follow it in production until it actually works.
  • Something broke? Write the post-mortem before anyone asks.

Culture by design Culture isn't the values we write down. It's the operating system that defines:

  1. How information flowsTransparency by default, written context.
  2. How decisions get madeExplicit ownership, close to the builders.
  3. What we trust people withContext and autonomy, with accountability.
  4. What we reward — and refuse to tolerateStock options for impact, no seniority gate.
How we operate

AI isn't a talking point.
It's how we operate.

Credit decided in seconds

Proprietary models trained on real Brazilian retail behavior.

One platform, built with AI

Everything a credit operation needs, in one place.

Copilots and agents for everyone

In everyone's stack, from engineering to credit.

The people behind Ume

Our team

Berthier Ribeiro
Berthier RibeiroCEO & Co-founder
Theo Ramalho
Theo RamalhoCRO & Co-founder
Berthier Ribeiro Neto
Berthier Ribeiro NetoCTO
Thayná Teixeira
Thayná TeixeiraCOO
Patrick McDougall
Patrick McDougallVP of Digital Payments
Maria Marta Correa
Maria Marta CorreaHead of People
Lucas Chita
Lucas ChitaChief Business Development Officer
Marina Ferrarez
Marina FerrarezHead of Growth
João Soares
João SoaresVP of Credit & Risk
Eduardo Rocha
Eduardo RochaVP of Product

The next seat could be yours

What we offer

Benefits

Offices in São Paulo and Recife, a hybrid model and remote roles for some teams.

Health insuranceSulAmérica Nacional Apartamento, with no co-payment.
Dental planSulAmérica.
Life insuranceSulAmérica.
Caju cardMeals, groceries and transportation.
ZenklubMonthly sessions with a therapist, coach or nutritionist.
Total PassAccess to gyms and sports activities.
Vida LinkPharmacy benefit and discounts.
Accounting allowancePaid on the Caju card.
Parental leaveExtended maternity and paternity leave.
Our spaces

Come feel how we work.

Our offices on Faria Lima, in São Paulo, and in Recife are where squads meet to build, decide and celebrate together.

In our hiring process? Ask our Talent team to visit the office and experience the Ume way of working first-hand.

São Paulo – SPAv. Brigadeiro Faria Lima, 2012 — 2nd floor
Recife – PERua do Brum, 248 — 1st floor
Open roles

Join our team. Build the new model of credit with us.

Vagas abertas

Carregando vagas…