Up.p Tech Stack

Regulated peer-to-peer lending platform for Brazilian government-backed credit products

Financial Services São Paulo, São Paulo 11–50 employees Founded 2019 Privately Held

Up.p is a fintech specializing in government-backed credit products — primarily FGTS anniversary withdrawals and INSS consignado loans — operating as one of Brazil's first regulated peer-to-peer lending platforms (SEPs). The tech stack is finance-operational (Excel, Power BI, Looker, Zendesk, Freshchat) with modern web foundations (React, Vue, Node.js, Python, PostgreSQL on AWS), but the project list reveals internal-ops friction: churn reduction, third-party due diligence, bank reconciliation, and chatbot scale-out dominate over product innovation, suggesting the platform is fighting operational and partner-channel complexity rather than building new credit products.

Tech Stack 46 technologies

Core StackGoogle Ads Meta Ads Google Analytics Looker Zendesk Power BI JavaScript Vue React Angular Next.js Node.js Python Django PHP PostgreSQL AWS Excel Word PowerPoint Pipefy TikTok Ads Data Studio SPC WhatsApp Freshchat Google Data Studio HTML CSS Symfony+16 more

What Up.p Is Building

◆Challenges

Support queue governance
Reducing churn
Expanding b2b partnerships
Optimizing partner operations
Streamlining partner onboarding
Efficient and secure financial systems
Central bank transfers
Bank account reconciliation
Mitigating operational risks
Recovering consignado worker credits

▲Active Projects

Churn reduction initiatives
Process mapping and risk matrix
Internal control adherence testing
Third-party due diligence
Creating collection schedules
Credit bureau negative listing
Performance reporting
Customer journey automation via chatbot
Bot and flow tool changes
Chatbot implementation at scale

Hiring Activity

Steady20 roles · 6 in 30d

Department

Finance

Engineering

Legal

Marketing

Sales

Support

Customer-Success

Seniority

Mid

Junior

Intern

Senior

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About Up.p

Up.p was founded in 2019 to disrupt Brazilian credit markets by offering regulated peer-to-peer lending secured by government income sources. The platform focuses on two main credit products: FGTS anniversary withdrawals (Saque Aniversário) and INSS consignado loans (payroll deductions). The company operates from São Paulo with 11–50 employees and has facilitated thousands of credit advances. Current hiring emphasizes finance (4 open roles), engineering, legal, and support, with a mostly mid-level and junior composition, indicating controlled growth in a capital-and-compliance-heavy business.

HeadquartersSão Paulo, São Paulo

Company Size11–50 employees

Founded2019

Hiring MarketsBrazil

Frequently Asked Questions

What is Up.p's core business model?

Up.p is a regulated peer-to-peer lending platform (SEP) offering credit secured by FGTS anniversary withdrawals and INSS consignado loans — two government-backed income sources in Brazil.

Where is Up.p headquartered?

Up.p is headquartered in São Paulo, São Paulo, Brazil, and currently hires only in Brazil.

What tech stack does Up.p use?

Up.p uses React, Vue, Node.js, Python, and PostgreSQL for the web platform, AWS for infrastructure, and Looker, Power BI, and Google Data Studio for analytics. Customer support runs on Zendesk and Freshchat.