Business Consultant – Product Owner – PIX

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Act as a cross-functional liaison among internal teams, BIP clients, partners, PSPs, core banking platforms, technology vendors, and other stakeholders.

• Facilitate workshops focused on processes, business, products, and technology with clients.

• Analyze current processes and design future processes related to payments, collections, settlements, reconciliations, fund transfers, reversals, refunds, accounting, and tax implications.

• Establish the roadmap, strategy, and backlog for modifying products, customer journeys, and integrations to meet Split Payment and Tax Reform requirements.

• Develop tailored functional specifications that encompass flows, business rules, end-to-end journeys, integrations, transactional events, exceptions, and acceptance criteria.

• Assist in defining requirements for integrations across payment systems, core banking, ERP, tax and accounting systems, reconciliation platforms, billing platforms, and external vendors.

• Evaluate the effects of Split Payment on payment and collection journeys, fund segregation, settlements, transfers, reconciliations, cash flow, and operational governance.

• Aid in prioritizing the backlog based on regulatory influence, operational importance, technology dependencies, implementation risks, and client value.

• Identify and track KPIs, risks, issues, assumptions, dependencies, project milestones, and the status of workstreams.

• Create executive and functional documents, including assessments, impact matrices, action plans, roadmaps, status reports, and recommendations.

• Facilitate acceptance criteria, functional test scenarios, journey validation, and user acceptance testing for changes.

⛳️ Requirements

• Bachelor’s degree in any field is acceptable.

• Extensive experience with Pix, encompassing a functional, regulatory, operational, and technological understanding of products, journeys, integrations, and operating models of PSPs, financial institutions, fintechs, or core banking platforms.

• Comprehensive knowledge of Pix, including payment and collection journeys, static and dynamic QR Codes, Pix Cobrança, Pix Automático, refunds, MED, reconciliation, settlement, operational rules, and API-driven integrations.

• Advanced understanding of the payments ecosystem and the roles of PSPs, technology providers, and other participants in the transaction chain.

• Proven experience in managing product, project, or transformation workstreams related to payment methods, banking, fintechs, or regulatory compliance initiatives.

• Capability to convert regulatory, tax, and operational rules into functional requirements, process flows, business rules, and technology specifications.

• Strong communication skills that are clear and objective.

• Dedication to meeting planned deadlines and deliverables.

• A strong sense of urgency, autonomy, organization, and ownership of assigned workstreams.

• Consultative approach, with the ability to structure problems, conduct interviews, synthesize findings, and suggest practical implementation strategies.

• Functional knowledge of payment slips, TED, transfers, settlements, financial reconciliations, and integration with transactional systems is preferred.

• Familiarity with messaging, interoperability, APIs, webhooks, CNAB files, and integrations with core banking systems, ERPs, reconciliation platforms, PSPs, and other platforms is preferred.

• Experience with or understanding of Split Payment, Tax Reform, IBS/CBS, and their implications for settlements, reconciliations, collections, fund transfers, and the adaptation of payment products is preferred.

🏝️ Benefits

• All Points (points program for airline tickets and accommodation)

• Health insurance

• Dental insurance

• Life insurance

• Pet insurance and services plan

• Mobility benefits, including fuel and Uber/99 options

• Flexible reimbursement (glasses, vaccines, education, concerts, and more)

• Meal and/or food allowance

• Birthday day off

• Gympass

• Financial consulting and facilitated loan options

• Alelo Club with discounts at various stores and pharmacies

• 180-day maternity leave

• 30-day paternity leave

• Daycare assistance during the baby’s first year

• Transportation allowance according to project or department needs

• Annual bonus program

• Commission for referrals of new clients

• Global training and development center

• Flex Time – a dedicated period each week for your development

• Mentoring programs with leaders

• Semiannual performance reviews

• Feedback culture and regular one-on-one meetings

• Personalized development plan

• Darwin – global development program for young talent

• Grounding – global development program for newly hired professionals

• Induction – international onboarding

• Spinnaker – training to enhance the strategic skills of Managers and Senior Managers