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  • This week · 6
  • This quarter · 12
  • Big bets · 2
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Generated Oct 22, 2026
  1. Programmable
  2. Playbooks
  3. Inter&Co (Inter, US)
Inter&Co (Inter, US) logo

growth playbook · Oct 22, 2026

inter.co (opens in a new tab)

Inter&Co (Inter, US) growth playbook

Diagnosis

Inter is building its US business fast: a Fed-authorized Miami branch, a Miami mortgage team for Brazilians and foreign nationals, a US Growth team for marketplace and mortgage CRM, and product growth, data science and onboarding hires.

The US website has not caught up. It has no mortgage page, no remittance corridor pages, its three language versions are not linked for search, missing pages return soft 404s, and the homepage takes 27 seconds to load in Google's mobile test.

This playbook starts by giving the mortgage, remittance and Spanish audiences pages to land on, fixes search and speed basics, and then builds activation, recovery and a "Buy in Florida" journey that bundles Inter's products.

Growth Score

6/10

Biggest Opportunity

Brazilians buying US property: Inter already has the transfer, account and mortgage products and the Miami team, but no page or journey that brings them together.

Biggest Risk

Nomad, Wise and Remitly own the search and app-store moments for dollar accounts and transfers; without dedicated US pages Inter relies on its brand and the app store alone.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Give the US mortgage a front door: landing pages in English, Portuguese and Spanish for Brazilians and foreign nationals buying in the US

    Write the one-page brief: audiences, documents list, timeline and the lead routing rule.

    High impact First result in 1 month
  2. 2

    Tie the English, Portuguese and Spanish US pages together so Portuguese searchers in the US land on /us-pt/

    Add the hreflang tags to the three US homepages.

    High impact First result in 1 month
  3. 3

    Write the app ratings the way US readers expect, and say where they come from

    Change the number format on /us/ today.

    Medium impact First result in 2 weeks

02

Your idea portfolio

22 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 8 ideas are marked Unexpected: plays you are unlikely to have tried.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 3Big bets · 12Fill-ins · 5Reconsider · 2
Effort →

Showing 22 of 22 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Inter is hiring a Miami CRM and content analyst for "International Loans (Mortgage)" and a mortgage processor and closer whose clients are "many of them Brazilians and foreign nationals buying property in the U.S." Yet inter.co/us has no mortgage page at all: the word appears only in a footer disclosure, the sitemap has no US mortgage URL, and us.inter.co/mortgage shows "page not found". The CRM team will be sending emails, WhatsApp messages and ads with nowhere to land, and buyers searching for a foreign-national mortgage in Portuguese cannot find Inter.

    High impactMedium effort First result in 1 month Content & CRM Analyst II

    First action

    Write the one-page brief: audiences, documents list, timeline and the lead routing rule.

    How to measure it

    Mortgage leads from /us/mortgage

    Now
    –
    Target
    100 a month
    By
    90 days

    Steps

    1. 1

      Agree the audiences

      Foreign nationals, Brazilians living in the US, investors buying rentals.

      Content & CRM Analyst II, US Growth Acquisition & Activation 2 days

    2. 2

      Draft the page

      Who it is for, documents, timeline to closing, FAQ.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 week

    3. 3

      Check the process copy

      Closing and remote-closing steps described correctly.

      Mortgage Closer I 2 days

    4. 4

      Compliance review

      Disclosures and NMLS details on every language version.

      Compliance 1 week

    5. 5

      Translate

      Portuguese and Spanish versions reviewed by native speakers.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 week

    6. 6

      Route the leads

      Form answers go to a loan officer who speaks the chosen language.

      Mortgage Loan Processor III 2 days

    7. 7

      Link it

      Homepage product row, app menu and the footer.

      Web & SEO Lead (US site) 1 day

    8. 8

      Measure

      Leads, applications and closings by language and source.

      Data Analyst II, US Growth monthly

    First result
    1 month
    Cost
    Writing, translation and review time
    Owner
    Content & CRM Analyst II, US Growth Acquisition & Activation

    Smallest test

    Publish the Portuguese page first and send it to existing Brazilian customers who searched for property-related content in the app.

    Why it works

    Publish /us/mortgage in English, Portuguese and Spanish: who it is for (foreign nationals, Brazilians living in or investing in the US, second homes and rentals), the documents to prepare, a step-by-step timeline to closing (including remote closing), a short FAQ, and a lead form that routes to a Portuguese- or Spanish-speaking loan officer. Link it from the homepage product row and the app, and use it as the landing page for every mortgage campaign the new CRM analyst runs. Have compliance approve the copy and required disclosures before launch.

    The product, the license and the Miami team already exist; a page turns existing demand from the Brazilian community into measurable applications and gives the CRM and paid campaigns a destination to test.

    Ready to use

    ChecklistUS mortgage page launch list

    [ ] /us/mortgage, /us-pt/financiamento, /us-es/hipoteca
    [ ] Who it is for: foreign nationals, US residents, investors
    [ ] Documents to prepare, by borrower type
    [ ] Timeline from application to closing, including remote closing
    [ ] FAQ in plain language
    [ ] Lead form routed by language
    [ ] NMLS and required disclosures on each version
    [ ] Linked from homepage, app and footer
    [ ] hreflang between the three versions
    [ ] Tracking by campaign source

    Risks and how to handle them

    • Compliance delays

      Start with a factual process page and add rate examples later.

    • Leads beyond team capacity

      Show a booking calendar with real slots so demand matches staff.

    Evidence

    • HiringContent & CRM Analyst II, US Growth Acquisition & Activation (Miami, posted September 21, 2026) joins the Global Growth team to design "CRM and content strategies for Marketplace and International Loans (Mortgage) products", running "email marketing, push notifications, WhatsApp, SMS, in-app messages, banners, landing pages" with A/B tests. A second Content & CRM Analyst II for US Growth Revenue & Recovery (Belo Horizonte, same date) has the same Marketplace and Mortgage scope.Source
    • HiringMortgage Loan Processor III and Mortgage Closer I (Miami, posted October 5, 2026): clients are "many of them Brazilians and foreign nationals buying property in the U.S."; Portuguese and/or Spanish preferred; experience with "foreign national, non-QM or DSCR loans" and "remote closings and RONs" preferred.Source
    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
    • Your websiteSitemap (1,416 URLs, checked October 21, 2026): 1,248 are Brazilian /pra-voce/ pages; the US has /us/, /us-pt/ and /us-es/ plus a handful under /en/us/ (advisors, new app, securities, Orlando City experience and loyalty) and /global-students/. There is no US page for mortgages, remittance corridors, the credit card or Inter Shop.Source
    • Your websiteUnknown addresses on us.inter.co, such as us.inter.co/mortgage, answer with HTTP 200 and an "Oops... page not found!" page (a soft 404) that links only to Home, MLS - Orlando City, For Companies and Loop.Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
    • News coverageFebruary 2023: Inter acquired YellowFi, a Miami mortgage originator and fund manager, to give US clients more ways to save, transact and invest, including access to US real estate.Source
  • 02

    Inter's US site exists in three languages, but /us/, /us-pt/ and /us-es/ are not linked with hreflang, the pages declare no language, and the English US blog says it is Brazilian Portuguese. Search engines have to guess which version to show, and with 1,248 Brazilian pages on the same domain, a Brazilian in Florida searching in Portuguese is likely to get the Brazil site instead of the US account.

    High impactLow effort First result in 1 month Web & SEO Lead

    First action

    Add the hreflang tags to the three US homepages.

    How to measure it

    Search clicks to /us-pt/ from the US

    Now
    –
    Target
    +30%
    By
    60 days

    Steps

    1. 1

      Map versions

      Every US page and its language twins.

      Web & SEO Lead (US site) 1 day

    2. 2

      Add hreflang

      en-US, pt-US, es-US and x-default.

      Web & SEO Lead (US site) 1 day

    3. 3

      Set lang attributes

      On the US pages and the blog.

      Web & SEO Lead (US site) 2 hours

    4. 4

      Fix the blog sitemap

      A real sitemap.xml at the address robots.txt names.

      Web & SEO Lead (US site) 1 day

    5. 5

      Submit

      Search Console for each version.

      Web & SEO Lead (US site) 1 hour

    6. 6

      Monitor

      Clicks by country and language.

      Data Analyst II, US Growth weekly

    First result
    1 month
    Cost
    $0
    Owner
    Web & SEO Lead (US site)

    Smallest test

    Tag the three homepages today and check Search Console in two weeks.

    Why it works

    Add hreflang (en-US, pt-US, es-US and x-default) across the three US homepages and every future US page, set the right lang attribute on each, fix the blog to en-US, and publish a working blog sitemap. Check results in Search Console by country and language.

    Language and country signals decide which version search shows; fixing them is a few lines of code and helps every US page that follows.

    Risks and how to handle them

    • Brazil pages still outrank

      Add a US banner on Brazil pages for US visitors (idea 21).

    Evidence

    • Your website/us/, /us-pt/ and /us-es/ each declare their own canonical but no hreflang tags link them, and the pages carry no lang attribute. The English US blog (blog-us.inter.co) declares lang "pt-BR", and the sitemap its robots.txt points to returns a "Page not found" page marked noindex.Source
    • Your websiteSitemap (1,416 URLs, checked October 21, 2026): 1,248 are Brazilian /pra-voce/ pages; the US has /us/, /us-pt/ and /us-es/ plus a handful under /en/us/ (advisors, new app, securities, Orlando City experience and loyalty) and /global-students/. There is no US page for mortgages, remittance corridors, the credit card or Inter Shop.Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
  • 03

    The English US homepage shows "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews". To an American reader "4,9" and "1,6M" look like typos, and the review totals appear to cover Inter's whole global app base rather than US reviews. Trust signals that look foreign or overstated undercut a financial app asking for deposits.

    Medium impactLow effort First result in 2 weeks Content & CRM Analyst II

    First action

    Change the number format on /us/ today.

    How to measure it

    Install-button click rate

    Now
    –
    Target
    +5%
    By
    30 days

    Steps

    1. 1

      Fix the format

      US decimal points on /us/ and /us-es/.

      Web & SEO Lead (US site) 1 hour

    2. 2

      Label the source

      Global or US ratings, stated plainly.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 hour

    3. 3

      Add US proof

      Clients in every US state, or a US quote.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 day

    4. 4

      Check the app pages

      Same numbers on the store listings.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 hour

    5. 5

      Test

      Old vs new header.

      Data Analyst II, US Growth 2 weeks

    6. 6

      Repeat on new pages

      Use one number style everywhere.

      Web & SEO Lead (US site) ongoing

    First result
    2 weeks
    Cost
    $0
    Owner
    Content & CRM Analyst II, US Growth Acquisition & Activation

    Smallest test

    Fix the decimal separators today.

    Why it works

    Format numbers for US English (4.9, 1.6M), state the source ("Global ratings, App Store and Google Play"), and add a US-only proof point beside them, such as clients in every US state or a short quote from a US customer. Keep the Portuguese page in its own format.

    Small credibility fixes on the first screen lift account starts, and they are free to make.

    Risks and how to handle them

    • Lower-looking US numbers

      Use the global numbers with a clear label.

    Evidence

    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
  • 04

    Unknown US addresses, including us.inter.co/mortgage, answer with HTTP 200 and an "Oops... page not found!" page. Search engines treat these soft 404s as thin duplicate pages, and visitors who type a product name land on a dead end that links only to Home, MLS, For Companies and Loop.

    Medium impactLow effort First result in 1 month Web & SEO Lead

    First action

    List the 20 most common 404 paths from logs.

    How to measure it

    Soft 404 pages

    Now
    –
    Target
    0
    By
    30 days

    Steps

    1. 1

      Pull logs

      Top missing paths on us.inter.co and /us/.

      Web & SEO Lead (US site) 1 day

    2. 2

      Fix the status

      True 404 for missing pages.

      Web & SEO Lead (US site) 1 day

    3. 3

      Add redirects

      Product words to the right pages.

      Web & SEO Lead (US site) 1 day

    4. 4

      Rebuild the error page

      Links to the US products and app.

      Web & SEO Lead (US site) 1 day

    5. 5

      Validate

      Search Console coverage report.

      Web & SEO Lead (US site) 2 weeks

    6. 6

      Review monthly

      New missing paths.

      Web & SEO Lead (US site) monthly

    First result
    1 month
    Cost
    $0
    Owner
    Web & SEO Lead (US site)

    Smallest test

    Redirect /mortgage to the new mortgage page on launch day.

    Why it works

    Send a real 404 status for missing pages, add redirects for the paths people guess (mortgage, remittance, credit-card, inter-shop) to the right US page, and replace the error page links with the US products: Global Account, remittance, investing, mortgage and the app.

    Clean status codes protect crawl budget and rankings, and a useful error page recovers visitors instead of losing them.

    Risks and how to handle them

    • Breaking old campaign links

      Redirect any path that had traffic before returning 404.

    Evidence

    • Your websiteUnknown addresses on us.inter.co, such as us.inter.co/mortgage, answer with HTTP 200 and an "Oops... page not found!" page (a soft 404) that links only to Home, MLS - Orlando City, For Companies and Loop.Source
    • Your websiteSitemap (1,416 URLs, checked October 21, 2026): 1,248 are Brazilian /pra-voce/ pages; the US has /us/, /us-pt/ and /us-es/ plus a handful under /en/us/ (advisors, new app, securities, Orlando City experience and loyalty) and /global-students/. There is no US page for mortgages, remittance corridors, the credit card or Inter Shop.Source
  • 05

    Google's test of inter.co/us on mobile scores 29/100: the main content takes 27 seconds to appear in the lab, the page weighs 9.7 MB with half of it from 22 third-party hosts, and the HTML alone is about 885 KB. Real visitors fail all three Core Web Vitals. Most people arrive from an ad or a link on their phone, and an app-install page that loads this slowly loses them before the button appears.

    High impactMedium effort First result in 1 month Product Growth Specialist II

    First action

    Run a tag audit and list every third-party script with an owner.

    How to measure it

    Mobile field LCP

    Now
    –
    Target
    under 2.5s
    By
    90 days

    Steps

    1. 1

      Audit tags

      Every third-party script and who uses it.

      Product Growth Specialist II 3 days

    2. 2

      Remove unused

      Tags with no owner or decision.

      Product Growth Specialist II 1 week

    3. 3

      Cache static files

      Long cache lifetimes.

      Front-end Engineer 1 day

    4. 4

      Defer pixels

      After first interaction.

      Front-end Engineer 3 days

    5. 5

      Slim the HTML

      Load long disclosures separately.

      Front-end Engineer 1 week

    6. 6

      Resize images

      Phone-sized hero images.

      Front-end Engineer 2 days

    7. 7

      Measure

      PageSpeed and field data monthly.

      Data Analyst II, US Growth monthly

    First result
    1 month
    Cost
    Engineering time
    Owner
    Product Growth Specialist II

    Smallest test

    Defer the social pixels on /us/ and compare install clicks for a week.

    Why it works

    Set long cache lifetimes on static files, remove tags that no longer drive decisions, load marketing pixels after the first interaction, shrink the inline HTML (the footer disclosures can load separately), and size hero images for phones. Track field data monthly.

    Speed is the cheapest conversion gain on a paid-traffic page, and Google uses field data in ranking.

    Risks and how to handle them

    • Losing tracking data

      Move tags server-side before removing them.

    Evidence

    • Google PageSpeedinter.co/us on mobile: performance 29/100; in the lab test the main content takes 27.1s to appear (first paint 5.6s, 1.4s of blocking scripts) and the page downloads 9.7 MB, 4.9 MB of it from 22 third-party hosts; the HTML alone is about 885 KB. Real visitors fail Core Web Vitals (Chrome UX Report: LCP 3.4s, INP 489ms, CLS 0.11). Top fixes: cache lifetimes (about 5.4s) and unused JavaScript (about 4.9s).Source
    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
  • 06

    Every "Open your Global Account" button on inter.co/us is an app-install link, so the web never captures who the visitor is or what they came for. Someone who came for remittances, investing or a mortgage opens the app to the same generic sign-up. The Product Growth team is hired to get millions of customers to "take their first steps" in the app.

    High impactMedium effort First result in 1 quarter Product Growth Specialist II

    First action

    Create one deep link per product section.

    How to measure it

    7-day activation

    Now
    –
    Target
    +15%
    By
    90 days

    Steps

    1. 1

      Map entry points

      Each section and campaign.

      Product Growth Specialist II 2 days

    2. 2

      Create links

      One deferred deep link per product.

      Product Growth Specialist I 1 week

    3. 3

      Route in the app

      Open the right onboarding after sign-up.

      Mobile Engineer 2 weeks

    4. 4

      Instrument

      Entry product as an event property.

      Product Growth Specialist I 1 week

    5. 5

      Test

      Generic vs product-led first screen.

      Data Analyst II, US Growth 1 month

    6. 6

      Report

      Activation and value by entry product.

      Data Analyst II, US Growth monthly

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Product Growth Specialist II

    Smallest test

    Start with the remittance section only.

    Why it works

    Give each product section its own deferred deep link (remittance, investing, credit, mortgage, Inter Shop), pass the choice through the install, and open the app on that product's onboarding after sign-up. Measure activation by entry product.

    Visitors who see their reason for coming right after sign-up activate faster, and the data shows which products bring the best customers.

    Risks and how to handle them

    • Attribution loss through the store

      Use the existing install-link provider and check match rates.

    Evidence

    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
    • HiringProduct Growth Specialist II (posted October 6, 2026) for activation and engagement in the app: the challenge is to get "milhões de clientes darem os primeiros passos no Inter e transformarem o app em parte do dia a dia", with event instrumentation in Amplitude, Mixpanel and Firebase and A/B tests with guardrails. A Product Growth Specialist I (September 15) supports the same team.Source
    • HiringGrowth analytics hires: Data Analyst II, US Growth (funnel, cohort, LTV, churn and channel analysis; A/B tests with "uplift"), Data Scientist III, Growth / CRM (posted October 14, 2026: machine learning for "experiências hiperpersonalizadas", recommendation systems desirable) and a Data Engineer II for Lifecycle Analytics.Source

This quarter 12

The core plays for the next three months.

  • 07

    Inter sends international transfers "to 60+ countries" and its title tag leads with "Send Money Abroad", but the US site has no page for any corridor. Wise and Remitly rank for "send money to Brazil" and "send money to Mexico" with dedicated pages. The Global Cross Border team is hiring to grow international remittance.

    High impactMedium effort First result in 1 quarter Products Analyst II

    First action

    Pull the top 10 corridors by transfer volume.

    How to measure it

    Corridor-page sign-ups

    Now
    –
    Target
    2,000 a month
    By
    2 quarters

    Steps

    1. 1

      Pick corridors

      Top 10 by volume and search demand.

      Products Analyst II, Global Cross Border 1 week

    2. 2

      Build the template

      Rate, fee, time, payout options, calculator.

      Web & SEO Lead (US site) 3 weeks

    3. 3

      Connect live rates

      From the pricing service.

      Backend Engineer 2 weeks

    4. 4

      Write and translate

      Each corridor in its own language.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 month

    5. 5

      Compliance review

      Fee and rate disclosures.

      Compliance 2 weeks

    6. 6

      Launch and measure

      Rankings and sign-ups by corridor.

      Data Analyst II, US Growth monthly

    First result
    1 quarter
    Cost
    Engineering and writing time
    Owner
    Products Analyst II, Global Cross Border

    Smallest test

    Launch the Brazil corridor page first.

    Why it works

    Build one page per top corridor (Brazil, Mexico, Colombia, Argentina, then others) with the fee and exchange rate shown live from the app, delivery times, payout options and a calculator, in the corridor's language. Link them from the homepage and the app.

    Corridor searches are high intent, and live pricing lets Inter compete openly on price.

    Risks and how to handle them

    • Price comparisons go stale

      Show only Inter's own live price, never competitors' prices.

    Evidence

    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source
    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
    • Your websiteSitemap (1,416 URLs, checked October 21, 2026): 1,248 are Brazilian /pra-voce/ pages; the US has /us/, /us-pt/ and /us-es/ plus a handful under /en/us/ (advisors, new app, securities, Orlando City experience and loyalty) and /global-students/. There is no US page for mortgages, remittance corridors, the credit card or Inter Shop.Source
    • Competitor researchRivals' own homepages: Nomad, "Conta Internacional em Dólar e Euro" for Brazilians; Wise, "The international account | Money without borders" ("Banks charge a lot for overseas transfers. We don't."); Remitly, international financial services in the United States.Source
  • 08

    The new CRM analyst runs WhatsApp among other channels, and the mortgage team serves Brazilians and foreign nationals who prefer Portuguese or Spanish. Mortgage leads go cold while waiting for a call, and many buyers live outside the US time zone.

    High impactMedium effort First result in 1 quarter Content & CRM Analyst II

    First action

    Write the five-question script with the mortgage team.

    How to measure it

    Mortgage lead-to-application

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Write the script

      Five questions and the checklist.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 week

    2. 2

      Approve templates

      Compliance and opt-in wording.

      Compliance 2 weeks

    3. 3

      Build the flow

      In the CRM with WhatsApp.

      Salesforce Marketing Cloud Consultant 2 weeks

    4. 4

      Book calls

      Calendar link to loan officers.

      Mortgage Loan Processor III 1 week

    5. 5

      Hand off

      Answers attached to the loan file.

      Mortgage Loan Processor III ongoing

    6. 6

      Measure

      Speed to first reply and applications.

      Data Analyst II, US Growth monthly

    First result
    1 quarter
    Cost
    Messaging costs
    Owner
    Content & CRM Analyst II, US Growth Acquisition & Activation

    Smallest test

    Run the flow by hand for 20 leads.

    Why it works

    When a lead submits the mortgage form, start a WhatsApp conversation in their language: confirm the purchase type and timeline, send the document checklist, and book a call with a loan officer. Hand qualified leads to processing with the answers attached.

    Brazilians live on WhatsApp, and fast replies in the buyer's language keep leads warm until a loan officer calls.

    Risks and how to handle them

    • Over-messaging

      Stop after two unanswered messages.

    Builds on

    Evidence

    • HiringContent & CRM Analyst II, US Growth Acquisition & Activation (Miami, posted September 21, 2026) joins the Global Growth team to design "CRM and content strategies for Marketplace and International Loans (Mortgage) products", running "email marketing, push notifications, WhatsApp, SMS, in-app messages, banners, landing pages" with A/B tests. A second Content & CRM Analyst II for US Growth Revenue & Recovery (Belo Horizonte, same date) has the same Marketplace and Mortgage scope.Source
    • HiringMortgage Loan Processor III and Mortgage Closer I (Miami, posted October 5, 2026): clients are "many of them Brazilians and foreign nationals buying property in the U.S."; Portuguese and/or Spanish preferred; experience with "foreign national, non-QM or DSCR loans" and "remote closings and RONs" preferred.Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
  • 09

    Inter hires a US Growth Revenue & Recovery team and a Global Onboarding coordinator for account opening in the US, Argentina and Brazil. Every identity check and document step loses applicants who meant to finish.

    High impactMedium effort First result in 1 quarter Content & CRM Analyst II

    First action

    Pull last month's drop-off by onboarding step.

    How to measure it

    Onboarding completion

    Now
    –
    Target
    +10%
    By
    2 quarters

    Steps

    1. 1

      Map drop-off

      By step and by country.

      Data Analyst II, US Growth 1 week

    2. 2

      Write messages

      One per missing step.

      Content & CRM Analyst II, US Growth Revenue & Recovery 1 week

    3. 3

      Build triggers

      After 1 hour, 1 day and 3 days.

      Salesforce Marketing Cloud Consultant 2 weeks

    4. 4

      Hold out

      10% control group.

      Data Analyst II, US Growth ongoing

    5. 5

      Fix one step

      Top drop-off in the product.

      Product Growth Specialist II 1 month

    6. 6

      Review

      Lift vs control.

      Data Analyst II, US Growth monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Content & CRM Analyst II, US Growth Revenue & Recovery

    Smallest test

    Send one reminder to last week's drop-offs.

    Why it works

    Find where US applicants drop (ID, address, SSN or ITIN, funding), then send a short sequence by push, email and WhatsApp that names the missing step and links straight back to it. Fix the top drop-off step in the product.

    Recovered applicants already chose Inter; bringing back even a small share is cheaper than any new install.

    Risks and how to handle them

    • Compliance limits on reminders

      Review wording with compliance.

    Evidence

    • HiringContent & CRM Analyst II, US Growth Acquisition & Activation (Miami, posted September 21, 2026) joins the Global Growth team to design "CRM and content strategies for Marketplace and International Loans (Mortgage) products", running "email marketing, push notifications, WhatsApp, SMS, in-app messages, banners, landing pages" with A/B tests. A second Content & CRM Analyst II for US Growth Revenue & Recovery (Belo Horizonte, same date) has the same Marketplace and Mortgage scope.Source
    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source
    • HiringGrowth analytics hires: Data Analyst II, US Growth (funnel, cohort, LTV, churn and channel analysis; A/B tests with "uplift"), Data Scientist III, Growth / CRM (posted October 14, 2026: machine learning for "experiências hiperpersonalizadas", recommendation systems desirable) and a Data Engineer II for Lifecycle Analytics.Source
  • 10

    The Product Growth team is measured on first steps and making the app part of daily life. For US Global Account customers the actions that predict retention (first deposit, first card purchase, first transfer home, first investment) are not yet a shared target.

    High impactMedium effort First result in 1 quarter Product Growth Specialist II

    First action

    Run the cohort analysis on last quarter's US sign-ups.

    How to measure it

    Three-action activation

    Now
    –
    Target
    40%
    By
    2 quarters

    Steps

    1. 1

      Analyze cohorts

      Early actions vs 90-day retention.

      Data Analyst II, US Growth 2 weeks

    2. 2

      Pick three

      With product and CRM.

      Product Growth Specialist II 1 week

    3. 3

      Build the checklist

      In the app home.

      Product Growth Specialist I 1 month

    4. 4

      Add nudges

      CRM for each missing action.

      Content & CRM Analyst II, US Growth Acquisition & Activation 2 weeks

    5. 5

      Test rewards

      Cashback or none.

      Data Analyst II, US Growth 1 month

    6. 6

      Report

      Weekly activation dashboard.

      Data Analyst II, US Growth weekly

    First result
    1 quarter
    Cost
    Product time
    Owner
    Product Growth Specialist II

    Smallest test

    Show the checklist to 10% of new US customers.

    Why it works

    Use cohort data to find the three early actions most linked to 90-day retention, make them the onboarding checklist, reward completion, and report the share of new customers who complete all three in their first two weeks.

    A clear activation definition focuses every team, from CRM to product, on the same few actions.

    Risks and how to handle them

    • Correlation, not cause

      Confirm with a holdout test.

    Evidence

    • HiringProduct Growth Specialist II (posted October 6, 2026) for activation and engagement in the app: the challenge is to get "milhões de clientes darem os primeiros passos no Inter e transformarem o app em parte do dia a dia", with event instrumentation in Amplitude, Mixpanel and Firebase and A/B tests with guardrails. A Product Growth Specialist I (September 15) supports the same team.Source
    • HiringGrowth analytics hires: Data Analyst II, US Growth (funnel, cohort, LTV, churn and channel analysis; A/B tests with "uplift"), Data Scientist III, Growth / CRM (posted October 14, 2026: machine learning for "experiências hiperpersonalizadas", recommendation systems desirable) and a Data Engineer II for Lifecycle Analytics.Source
  • 11

    The US homepage offers "more than 100 stores with cashback", and Inter is hiring a Commercial Manager for Inter Shop partnerships and GMV. Brazilians in Orlando and Miami shop at outlets, theme parks and Brazilian grocers, and a cashback offer there reaches the core audience.

    Medium impactMedium effort First result in 1 quarter Commercial Manager

    First action

    List the top 50 merchants by US card spend.

    How to measure it

    US Inter Shop GMV

    Now
    –
    Target
    +30%
    By
    2 quarters

    Steps

    1. 1

      Rank merchants

      By US card spend.

      Data Analyst II, US Growth 1 week

    2. 2

      Find gaps

      Merchants not yet in Inter Shop.

      Commercial Manager, Inter Shop 1 week

    3. 3

      Sign partners

      Top 20.

      Commercial Manager, Inter Shop 1 quarter

    4. 4

      Publish the page

      US Inter Shop in three languages.

      Web & SEO Lead (US site) 2 weeks

    5. 5

      Promote

      Push and email before peak seasons.

      Content & CRM Analyst II, US Growth Acquisition & Activation monthly

    6. 6

      Measure

      GMV and card use.

      Data Analyst II, US Growth monthly

    First result
    1 quarter
    Cost
    Partner management time
    Owner
    Commercial Manager, Inter Shop

    Smallest test

    Sign one Orlando outlet partner.

    Why it works

    Find the merchants US customers spend with most by card data, sign the top 20 that are missing, and publish a US Inter Shop page in three languages with the best offers. Promote offers before peak seasons such as holidays and summer travel.

    Cashback at stores people already use makes Inter the card in the wallet, which drives daily use.

    Risks and how to handle them

    • Small merchant volume

      Start with chains and outlets.

    Evidence

    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source
    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
  • 12

    More than 750,000 people went to the Inter&Co Stadium in Orlando in 2025, and Inter runs the Loop loyalty program and match pages for Orlando City and NYCFC. Sponsorship builds awareness, but there is no simple path from a seat to an account.

    High impactMedium effort First result in 1 quarter US Chief Marketing Officer

    First action

    Agree a fan perk with the club for one match.

    How to measure it

    Match-day accounts

    Now
    –
    Target
    500 per match
    By
    2 quarters

    Steps

    1. 1

      Pick the perk

      With the club.

      US Chief Marketing Officer 2 weeks

    2. 2

      Build the page

      Match-day sign-up with tracking.

      Web & SEO Lead (US site) 1 week

    3. 3

      Place QR codes

      Screens, concessions, seats.

      US Chief Marketing Officer 1 week

    4. 4

      Follow up

      Loop members without accounts.

      Content & CRM Analyst II, US Growth Acquisition & Activation ongoing

    5. 5

      Measure

      Accounts and activation by match.

      Data Analyst II, US Growth per match

    6. 6

      Decide

      Scale or change the offer.

      US Chief Marketing Officer 1 quarter

    First result
    1 quarter
    Cost
    Perk cost
    Owner
    US Chief Marketing Officer

    Smallest test

    Run one tracked QR on the big screen at the next home match.

    Why it works

    Put a QR code on screens and concessions that opens a match-day sign-up with a concrete benefit (cashback on stadium purchases or a fan perk via Loop), tracked per match. Follow up with Loop members who have not opened an account.

    Fans in the stadium are a captive, local audience; a tracked offer tells Inter what the sponsorship really returns.

    Risks and how to handle them

    • Low scan rates

      Test the offer on the big screen at half time.

    Evidence

    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
    • Your websiteSponsorship and community pages in the sitemap: /en/nycfc-match/, /en/trade-marketing-orlando-city/, /tardezinha-miami/, the Orlando City experience and the "Loop" loyalty program for Orlando SC fans.Source
    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
  • 13

    Inter has a /global-students/ page, but students are not part of the US site's navigation or campaigns. Brazilian students need a dollar account, a card and a way to receive money from family before they arrive.

    Medium impactLow effort First result in 1 quarter Growth Specialist I

    First action

    List ten universities with large Brazilian student groups.

    How to measure it

    Student accounts

    Now
    –
    Target
    3,000 per intake
    By
    2 quarters

    Steps

    1. 1

      Refresh the page

      Pre-arrival steps.

      Content & CRM Analyst II, US Growth Acquisition & Activation 2 weeks

    2. 2

      List partners

      Exchange agencies and associations.

      Growth Specialist I 2 weeks

    3. 3

      Sign partners

      Five to start.

      Growth Specialist I 1 month

    4. 4

      Run the campaign

      Before the intake.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 month

    5. 5

      Link family transfers

      Parents send from Brazil.

      Products Analyst II, Global Cross Border 1 month

    6. 6

      Measure

      Accounts and transfers.

      Data Analyst II, US Growth per intake

    First result
    1 quarter
    Cost
    Partner fees
    Owner
    Growth Specialist I

    Smallest test

    Partner with one exchange agency.

    Why it works

    Add pre-arrival content (open the account in Brazil, card delivered, receive money from family), partner with exchange agencies and university Brazilian student associations, and run it before the August and January intakes.

    Students become long-term customers and bring their families' remittances with them.

    Risks and how to handle them

    • Seasonal demand

      Plan around the two intakes.

    Evidence

    • Your websiteSitemap (1,416 URLs, checked October 21, 2026): 1,248 are Brazilian /pra-voce/ pages; the US has /us/, /us-pt/ and /us-es/ plus a handful under /en/us/ (advisors, new app, securities, Orlando City experience and loyalty) and /global-students/. There is no US page for mortgages, remittance corridors, the credit card or Inter Shop.Source
    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source
  • 14

    Inter's US CMO calls Hispanics the second target audience and there is a Spanish homepage, but no Spanish product pages exist beyond it. Mexican, Colombian and Venezuelan customers search for remittances and accounts in Spanish.

    High impactMedium effort First result in 1 quarter Content & CRM Analyst II

    First action

    Pick the three Spanish corridors with the most demand.

    How to measure it

    Spanish-path sign-ups

    Now
    –
    Target
    1,000 a month
    By
    2 quarters

    Steps

    1. 1

      Pick products

      Remittance, account, card.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 week

    2. 2

      Write pages

      Native Spanish copy.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 month

    3. 3

      Set hreflang

      With the English and Portuguese pages.

      Web & SEO Lead (US site) 1 day

    4. 4

      Run ads

      Spanish search and social.

      Performance Marketing Manager 1 month

    5. 5

      Support hours

      Spanish-speaking agents.

      Customer Experience Lead 1 month

    6. 6

      Measure

      Sign-ups and activation.

      Data Analyst II, US Growth monthly

    First result
    1 quarter
    Cost
    Ad budget and writing
    Owner
    Content & CRM Analyst II, US Growth Acquisition & Activation

    Smallest test

    Translate the Mexico corridor page first.

    Why it works

    Build Spanish pages for remittances to the top Latin American corridors, the Global Account and the credit card, run Spanish search and social ads, and staff Spanish support hours. Report Spanish-speaking acquisition separately.

    A clearly served second audience doubles the market for the same product.

    Risks and how to handle them

    • Spreading too thin

      Start with remittances, the most searched product.

    Builds on

    Evidence

    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
    • Your website/us/, /us-pt/ and /us-es/ each declare their own canonical but no hreflang tags link them, and the pages carry no lang attribute. The English US blog (blog-us.inter.co) declares lang "pt-BR", and the sitemap its robots.txt points to returns a "Page not found" page marked noindex.Source
    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source
  • 15

    Inter is hiring a Data Scientist for Growth and CRM to build hyper-personalized experiences, and the US Growth analyst is asked to measure uplift. Most CRM programs send to everyone likely to act, wasting messages on customers who would have acted anyway and annoying the rest.

    High impactMedium effort First result in 1 quarter Data Scientist III

    First action

    Pick one campaign with enough past data for a first model.

    How to measure it

    Incremental conversions per message

    Now
    –
    Target
    +30%
    By
    2 quarters

    Steps

    1. 1

      Pick campaigns

      Three with clear outcomes.

      Data Scientist III, Growth / CRM 1 week

    2. 2

      Collect data

      Past randomized sends.

      Data Engineer II, Lifecycle Analytics 2 weeks

    3. 3

      Build models

      Uplift per customer.

      Data Scientist III, Growth / CRM 1 month

    4. 4

      Deploy

      Audience scores in the CRM.

      Data Engineer II, Lifecycle Analytics 2 weeks

    5. 5

      Test

      Model vs propensity targeting.

      Data Analyst II, US Growth 1 month

    6. 6

      Keep holdouts

      Permanent 5% control.

      Data Analyst II, US Growth ongoing

    First result
    1 quarter
    Cost
    Data science time
    Owner
    Data Scientist III, Growth / CRM

    Smallest test

    Run one campaign with a holdout this month.

    Why it works

    Build uplift models for the main US campaigns (first deposit, first transfer, card use), send only to customers with positive predicted uplift, and keep a permanent holdout to prove the gain.

    Fewer, better-targeted messages raise results and lower opt-outs at the same time.

    Risks and how to handle them

    • Small US base

      Pool data across similar campaigns.

    Evidence

    • HiringGrowth analytics hires: Data Analyst II, US Growth (funnel, cohort, LTV, churn and channel analysis; A/B tests with "uplift"), Data Scientist III, Growth / CRM (posted October 14, 2026: machine learning for "experiências hiperpersonalizadas", recommendation systems desirable) and a Data Engineer II for Lifecycle Analytics.Source
    • HiringContent & CRM Analyst II, US Growth Acquisition & Activation (Miami, posted September 21, 2026) joins the Global Growth team to design "CRM and content strategies for Marketplace and International Loans (Mortgage) products", running "email marketing, push notifications, WhatsApp, SMS, in-app messages, banners, landing pages" with A/B tests. A second Content & CRM Analyst II for US Growth Revenue & Recovery (Belo Horizonte, same date) has the same Marketplace and Mortgage scope.Source
  • 16

    Inter is hiring a Growth Specialist for the under-18 account and a Lifecycle coordinator for Kids & Teen. Many Brazilian families in the US have relatives in Brazil, and parents send allowance or school money across borders.

    Medium impactMedium effort First result in 2 quarters Growth Specialist I

    First action

    Count US customers who send regular small transfers to Brazil.

    How to measure it

    Pilot families

    Now
    –
    Target
    1,000
    By
    2 quarters

    Steps

    1. 1

      Size demand

      Regular family transfers.

      Data Analyst II, US Growth 2 weeks

    2. 2

      Check eligibility

      Rules for minors in each market.

      Compliance 1 month

    3. 3

      Design the bundle

      Parent account and teen cards.

      Growth Specialist I 1 month

    4. 4

      Build top-ups

      From Brazil and the US.

      Technology Coordinator, Lifecycle 1 quarter

    5. 5

      Pilot

      With existing families.

      Growth Specialist I 1 quarter

    6. 6

      Measure

      Retention and transfer volume.

      Data Analyst II, US Growth monthly

    First result
    2 quarters
    Cost
    Product time
    Owner
    Growth Specialist I

    Smallest test

    Interview 15 families who send money to children.

    Why it works

    Test a family bundle: a parent's Global Account with linked teen cards that relatives in Brazil can top up through Inter's remittance, with spending controls and alerts. Pilot it with existing customers who already send money to family members.

    Families are sticky, and cross-border top-ups add remittance volume.

    Risks and how to handle them

    • Regulation for minors

      Start where eligibility is clear.

    Evidence

    • HiringGrowth Specialist I (posted October 7, 2026) leads the growth agenda for the under-18 account; a Technology Coordinator, Lifecycle (October 19) leads acquisition, activation, retention and revenue for segmented accounts and "Kids & Teen", aiming to raise principality, cut churn and lift ARPAC.Source
    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
  • 17

    Brazilian buyers in Florida often find property through Portuguese-speaking agents and builders. The mortgage team is hiring and its clients are mostly Brazilians and foreign nationals.

    High impactLow effort First result in 1 quarter Mortgage Loan Processor III

    First action

    List 50 Portuguese-speaking agents in Orlando and Miami.

    How to measure it

    Agent-referred applications

    Now
    –
    Target
    40 a month
    By
    2 quarters

    Steps

    1. 1

      Check the rules

      What referral benefits are allowed.

      Compliance 2 weeks

    2. 2

      List agents

      Portuguese-speaking agents and builders.

      Mortgage Loan Processor III 2 weeks

    3. 3

      Create the guide

      Co-branded buyer guide.

      Content & CRM Analyst II, US Growth Acquisition & Activation 2 weeks

    4. 4

      Sign agents

      30 to start.

      Loan Officer 1 quarter

    5. 5

      Track links

      Per agent.

      Web & SEO Lead (US site) 1 week

    6. 6

      Report back

      Monthly status to agents.

      Mortgage Loan Processor III monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Mortgage Loan Processor III

    Smallest test

    Sign five agents and track their leads.

    Why it works

    Sign 30 Portuguese-speaking agents and builders in Orlando and Miami to a referral program (where permitted, a co-branded guide and fast pre-approval for their buyers), give them a tracked link to the mortgage page, and report status to them.

    Agents decide who their buyers call first; a fast, Portuguese-speaking lender is a reason to send them to Inter.

    Risks and how to handle them

    • Regulatory limits on referral payments

      Offer co-marketing and service, not fees, unless approved.

    Builds on

    Evidence

    • HiringMortgage Loan Processor III and Mortgage Closer I (Miami, posted October 5, 2026): clients are "many of them Brazilians and foreign nationals buying property in the U.S."; Portuguese and/or Spanish preferred; experience with "foreign national, non-QM or DSCR loans" and "remote closings and RONs" preferred.Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
    • News coverageFebruary 2023: Inter acquired YellowFi, a Miami mortgage originator and fund manager, to give US clients more ways to save, transact and invest, including access to US real estate.Source
  • 18

    The US homepage ends with a long legal footer naming several banks, licenses and affiliates, and Inter now has a Fed-authorized branch in Miami. Visitors cannot easily tell which company holds their money and how it is protected, a common reason people hesitate to move money to a new app.

    Medium impactLow effort First result in 1 month Content & CRM Analyst II

    First action

    List the five questions support hears most about safety.

    How to measure it

    Account funding rate

    Now
    –
    Target
    +5%
    By
    2 quarters

    Steps

    1. 1

      Collect questions

      From support.

      Customer Experience Lead 1 week

    2. 2

      Draft answers

      Plain language per product.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 week

    3. 3

      Legal review

      Every sentence.

      Legal 2 weeks

    4. 4

      Design the diagram

      Who holds what.

      UX UI Specialist II 1 week

    5. 5

      Publish

      Three languages, linked from home and sign-up.

      Web & SEO Lead (US site) 1 day

    6. 6

      Measure

      Funding after a visit.

      Data Analyst II, US Growth monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Content & CRM Analyst II, US Growth Acquisition & Activation

    Smallest test

    Answer the top question on the homepage first.

    Why it works

    Write a short page that explains, in plain English, Portuguese and Spanish, which entity provides each product, how deposits are held, and where to find licenses, with a diagram. Link it from the homepage trust section and the sign-up flow. Have legal approve every sentence.

    Clear answers to "is my money safe?" remove a quiet barrier to opening and funding accounts.

    Risks and how to handle them

    • Oversimplifying legal facts

      Legal signs off and the page links to full disclosures.

    Evidence

    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
    • News coverageJune 8, 2026: the Florida Office of Financial Regulation and the Federal Reserve authorized the Inter US Branch in Miami, a hub for international operations and cross-border clients; Inter reports more than 44 million clients worldwide.Source

Big bets 2

Larger plays that can change the trajectory.

  • 19

    Inter already has every piece a Brazilian buying US property needs: remittances to move the down payment, a dollar account, a mortgage team in Miami that serves foreign nationals, and a newly authorized Miami branch. Today they are separate products with no shared journey.

    High impactHigh effort First result in 3 quarters Products Analyst II

    First action

    Map the current steps a Brazilian buyer goes through with Inter today.

    How to measure it

    Journey-funded mortgages

    Now
    –
    Target
    +50%
    By
    1 year

    Steps

    1. 1

      Map the journey

      Today's steps and gaps.

      Products Analyst II, Global Cross Border 1 month

    2. 2

      Design the flow

      Calculator, checklist, transfer, application.

      Product Designer Specialist 2 months

    3. 3

      Build the transfer step

      Down payment with a locked rate.

      Products Analyst II, Global Cross Border 1 quarter

    4. 4

      Connect mortgage

      Application in the app.

      Mortgage Loan Processor III 1 quarter

    5. 5

      Launch in Brazil

      Portuguese campaigns.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 month

    6. 6

      Measure

      Funded loans and post-closing balances.

      Data Analyst II, US Growth quarterly

    First result
    3 quarters
    Cost
    Product and engineering time
    Owner
    Products Analyst II, Global Cross Border

    Smallest test

    Run the journey by hand for ten buyers.

    Why it works

    Build one journey: a calculator in reais and dollars, a document checklist, transfer of the down payment with a locked rate, mortgage application, closing and an account for rent and bills afterwards. Market it in Portuguese in Brazil and the US.

    Bundling makes Inter the obvious choice for a high-value decision and keeps the customer for years after closing.

    Risks and how to handle them

    • Long sales cycle

      Nurture with content and the WhatsApp flow.

    Builds on

    Evidence

    • HiringMortgage Loan Processor III and Mortgage Closer I (Miami, posted October 5, 2026): clients are "many of them Brazilians and foreign nationals buying property in the U.S."; Portuguese and/or Spanish preferred; experience with "foreign national, non-QM or DSCR loans" and "remote closings and RONs" preferred.Source
    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source
    • News coverageJune 8, 2026: the Florida Office of Financial Regulation and the Federal Reserve authorized the Inter US Branch in Miami, a hub for international operations and cross-border clients; Inter reports more than 44 million clients worldwide.Source
    • News coverageFebruary 2023: Inter acquired YellowFi, a Miami mortgage originator and fund manager, to give US clients more ways to save, transact and invest, including access to US real estate.Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
  • 20

    Inter has customers in every US state and is the Brazilian bank brand Brazilians in the US search most. Aggregated data on transfers, savings and spending would be the only source of its kind for the community.

    High impactMedium effort First result in 3 quarters Data Analyst II

    First action

    Pick ten questions the community asks most.

    How to measure it

    Report downloads

    Now
    –
    Target
    20,000
    By
    1 year

    Steps

    1. 1

      Pick questions

      Ten community questions.

      US Chief Marketing Officer 2 weeks

    2. 2

      Analyze

      Aggregated data only.

      Data Analyst II, US Growth 2 months

    3. 3

      Privacy review

      No small groups exposed.

      Data Privacy 1 month

    4. 4

      Write

      Report in three languages.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 month

    5. 5

      Launch

      Press and community media.

      PR Manager 1 month

    6. 6

      Repeat

      Every year.

      Data Analyst II, US Growth yearly

    First result
    3 quarters
    Cost
    Analyst time
    Owner
    Data Analyst II, US Growth

    Smallest test

    Publish one chart from the data.

    Why it works

    Publish a yearly report with aggregated, anonymized findings: where Brazilians live and move, transfer sizes and corridors, savings in dollars, top spending categories. Launch it with Brazilian and US press and community media.

    Original data earns coverage, links and AI citations, and keeps Inter in the community's conversation.

    Risks and how to handle them

    • Privacy

      Aggregate and suppress small cells.

    Evidence

    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
    • HiringGrowth analytics hires: Data Analyst II, US Growth (funnel, cohort, LTV, churn and channel analysis; A/B tests with "uplift"), Data Scientist III, Growth / CRM (posted October 14, 2026: machine learning for "experiências hiperpersonalizadas", recommendation systems desirable) and a Data Engineer II for Lifecycle Analytics.Source
    • HiringInternational build-out: an Operations Coordinator, Global Onboarding (October 19) for account opening in "US, Argentina, Brasil e os próximos go-lives"; a Products Analyst II, Global Cross Border for International Remittance "para mais de 60 países"; and a Commercial Manager, Inter Shop (October 14) to grow marketplace partnerships and GMV.Source

Wildcards 2

Unexpected experiments, each with a cheap way to test it.

  • 21

    inter.co is mostly Brazilian pages (1,248 of 1,416 URLs), and Brazilians in the US search for Inter in Portuguese. Many of them will land on Brazil pages that do not offer the US account.

    High impactLow effort First result in 1 month Web & SEO Lead

    First action

    Measure US visits to Brazilian pages.

    How to measure it

    Banner sign-ups

    Now
    –
    Target
    500 a month
    By
    90 days

    Steps

    1. 1

      Measure traffic

      US visits to Brazil pages.

      Data Analyst II, US Growth 1 week

    2. 2

      Design the banner

      Small and dismissible.

      UX UI Specialist I 2 days

    3. 3

      Build

      Geo-based display.

      Web & SEO Lead (US site) 1 week

    4. 4

      Track

      Clicks and sign-ups.

      Data Analyst II, US Growth ongoing

    5. 5

      Test copy

      Two messages.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 month

    6. 6

      Extend

      Spanish banner for Spanish visitors.

      Web & SEO Lead (US site) 1 month

    First result
    1 month
    Cost
    $0
    Owner
    Web & SEO Lead (US site)

    Smallest test

    Run the banner on the five most visited Brazil pages.

    Why it works

    Detect visitors in the US on Brazilian pages and show a small banner in Portuguese: "Mora nos EUA? Conheça a Conta Global" linking to /us-pt/. Track clicks and sign-ups.

    It turns existing traffic into US sign-ups without any new spend.

    Risks and how to handle them

    • Annoying Brazilian customers on trips

      Show it once and let them dismiss it.

    Evidence

    • Your websiteSitemap (1,416 URLs, checked October 21, 2026): 1,248 are Brazilian /pra-voce/ pages; the US has /us/, /us-pt/ and /us-es/ plus a handful under /en/us/ (advisors, new app, securities, Orlando City experience and loyalty) and /global-students/. There is no US page for mortgages, remittance corridors, the credit card or Inter Shop.Source
    • News coverageCNN Brasil, March 5, 2026: Inter's US CMO says "Nosso cliente número um ... é o brasileiro"; Inter has clients in every US state and is the Brazilian bank brand Brazilians in the US search most; Hispanics are the second audience; US products include an international credit card, dollar investments, real estate financing and remittances; over 750,000 people attended the Inter&Co Stadium in Orlando in 2025.Source
    • Your website/us/, /us-pt/ and /us-es/ each declare their own canonical but no hreflang tags link them, and the pages carry no lang attribute. The English US blog (blog-us.inter.co) declares lang "pt-BR", and the sitemap its robots.txt points to returns a "Page not found" page marked noindex.Source
  • 22

    The US homepage invites visitors to "Join Waitlist" for wearables. A waitlist is a list of engaged people who raised their hand.

    Medium impactLow effort First result in 1 month Product Growth Specialist I

    First action

    Count the waitlist and how many have no account.

    How to measure it

    Waitlist to account

    Now
    –
    Target
    20%
    By
    90 days

    Steps

    1. 1

      Count the list

      With and without accounts.

      Data Analyst II, US Growth 1 day

    2. 2

      Write the survey

      Three questions.

      Product Growth Specialist I 2 days

    3. 3

      Send

      Email and push.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 day

    4. 4

      Offer early access

      Top respondents.

      Product Growth Specialist I 1 month

    5. 5

      Invite to open accounts

      Those without one.

      Content & CRM Analyst II, US Growth Acquisition & Activation 1 week

    6. 6

      Size the launch

      From the answers.

      Product Growth Specialist II 1 month

    First result
    1 month
    Cost
    $0
    Owner
    Product Growth Specialist I

    Smallest test

    Send the survey this week.

    Why it works

    Email the waitlist a short survey (which device, which use), offer early access to the most engaged, and invite those without an account to open one first. Use the answers to size the launch.

    It turns a passive list into accounts and product decisions.

    Risks and how to handle them

    • Raising expectations too early

      Give an honest timeline.

    Evidence

    • Your websiteinter.co/us homepage: title "Send Money Abroad & Invest in the U.S. | Inter Global Account"; ratings printed as "4,9 ★ on App Store 1,6M reviews" and "4,8 ★ on Play Store 4,78M reviews"; "over 45 million Inter customers"; sections for the free debit card, a wearables waitlist, Smart Credit, Inter Shop ("More than 100 stores with cashback") and the Global Account; every "Open your Global Account" button is an app-install link. Mortgages appear only in the footer disclosure: "Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874)".Source
    • HiringProduct Growth Specialist II (posted October 6, 2026) for activation and engagement in the app: the challenge is to get "milhões de clientes darem os primeiros passos no Inter e transformarem o app em parte do dia a dia", with event instrumentation in Amplitude, Mixpanel and Firebase and A/B tests with guardrails. A Product Growth Specialist I (September 15) supports the same team.Source
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See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 22, 2026, and cites them throughout. Inter&Co (Inter, US) did not commission, review or endorse it, and Programmable is not affiliated with Inter&Co (Inter, US). Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Inter&Co (Inter, US) runs its business.

Something wrong, or do you represent Inter&Co (Inter, US)? Email [email protected] and we will correct it or take it down.

30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 306 ideas

    Mortgage pages, hreflang, rating format, real 404s, homepage speed and product deep links.

  2. Days 31 to 6013 ideas

    Remittance corridors, WhatsApp mortgage flow, onboarding recovery, activation, Inter Shop US, stadium offer, students, Spanish pages, uplift targeting, family accounts, agent referrals and the trust page; the US banner on Brazil pages.

  3. Days 61 to 903 ideas

    Commit to the "Buy in Florida" journey and the annual community report; test the wearables waitlist.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value A dollar account opened from a phone. The most cited problem: high fees for sending money between countries.

  • Fast transfers home
  • Hard to get credit or a mortgage without US history
  • In their words: “conta em dólar”

Market

Competitive landscape

3 competitors compared: Nomad, Wise and Remitly.

  • Gap to exploit: Mortgages for Brazilians and foreign nationals explained in Portuguese
  • Nomad: Narrower US lending
  • Wise: No Brazilian community focus

Hiring signals

Inter is staffing a US growth machine.

  • Content & CRM Analyst II, US Growth Acquisition & Activation (Miami): CRM and content for Marketplace and International Loans (Mortgage). Ideas 1…
  • Content & CRM Analyst II, US Growth Revenue & Recovery: Revenue and recovery journeys. Idea 9.
  • Mortgage Loan Processor III (Miami): Clients are many Brazilians and foreign nationals buying US property. Ideas 1, 17.

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