Credit Specialist

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

📋 Description

• Oversee financial management, planning, and analysis for one or more RecargaPay Business Units, including Payments, Credit, Cards, or Acquiring.

• Manage the financial performance of the Business Unit, focusing on revenues and both direct and indirect expenses.

• Create financial models, forecasts, budgets, and long-term strategic plans.

• Collaborate with the Consolidation team and Business Unit leaders to ensure precise financial forecasts.

• Spearhead initiatives for process optimization while ensuring quality and compliance are upheld.

• Establish KPIs, track financial performance, analyze discrepancies, and recommend corrective measures.

• Deliver actionable financial insights to facilitate strategic and operational decision-making.

• Ensure accurate and timely financial reporting for the Business Unit aligns with accounting reports.

• Aggregate data to present a clear overview of business performance.

• Support the Financial Consolidation and Senior Finance teams by providing Business Unit details for investor and stakeholder communications.

• Identify and address financial risks associated with assigned Business Units.

• Advise Business Unit leaders and assist with decisions that align with financial and business goals.

• Collaborate with Operations, Product, and Technology teams on financial integration matters.

• Utilize multiple data sources and Data teams to consolidate data for reporting and control purposes.

• Utilize AI tools and automation to enhance analysis, reporting, and decision-making processes.

⛳️ Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related discipline is preferred.

• Professional certifications like CPA or CFA, or a Master’s degree, are advantageous.

• Significant experience in FP&A, business finance, or financial planning roles within the Brazilian financial sector is crucial.

• Experience in digital banking, payment companies, or fintechs is viewed as an ideal profile.

• Experience with credit products such as personal loans, credit cards, or credit lines is a notable advantage.

• Proactive approach to daily tasks.

• Strong financial modeling and analytical capabilities across various business units and product lines.

• Proficiency in advanced Excel and Google Sheets.

• Advanced skills in working with data sources across various tools.

• Demonstrated professional experience with AI tools, including LLMs, copilots, or automation technologies.

• Ability to adapt across business lines, products, and priorities in a fast-paced environment.

• Good understanding of Brazilian Accounting Standards and regulatory requirements.

• Knowledge of US GAAP is a plus.

• Fluency in Portuguese is required.

• Fluency in English is required.

• Proficiency in Spanish is strongly preferred; candidates fluent in all three languages at an executive level will be prioritized.

• Capability to analyze complex financial data and provide valuable recommendations.

• Strategic mindset with a focus on both overarching business objectives and intricate details.

• Demonstrates ownership, autonomy, and accountability.

• Ability to influence without formal authority.

• Collaboration skills across teams and geographical locations.

• Comfort navigating ambiguity and a rapidly evolving business landscape.

• Curiosity and commitment to continuous learning, particularly in relation to AI developments.

🏝️ Benefits

• Competitive salary that aligns with market standards.

• Remote work — you are part of the team regardless of your location!

• Home office allowance provided through a monthly deposit in the RecargaPay app.

• Health and dental insurance plans with no co-pay required.

• Life insurance coverage.

• Flexible meal allowance provided via Flash.

• TotalPass membership to support your health and wellness.