Financial Planning Manager – Cards

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

📋 Description

• Serve as the Financial Business Partner for Cards, Banking, and Insurance.

• Facilitate data-driven decision-making, conduct economic feasibility studies for products and features, and monitor portfolio profitability.

• Oversee the monthly, annual, and long-term budgeting process.

• Establish routine, analytical benchmarks, and continuous reforecasting methodologies.

• Execute Actual vs. Budget vs. Forecast evaluations.

• Guide the closing of results for business verticals and compile executive reports for the Board, executive leadership, and senior management.

• Develop, parameterize, and enhance projection models that incorporate card unit economics.

• Collaborate with Credit and Collections to align risk and revenue perspectives within the product P&L.

• Propel automation efforts and investigate AI applications to streamline processes.

• Lead and nurture the direct team, elevating the technical standards.

⛳️ Requirements

• Extensive experience in FP&A or Strategic Finance within banks, fintechs, or card issuers/payment companies that originate and manage their own credit portfolios.

• In-depth practical and conceptual understanding of card financial dynamics, including NII, funding costs, interchange, fees, revolving credit, credit risk/provisioning (PDD), and cohort/vintage analysis.

• Proficiency in building accurate and robust financial models using Excel/Google Sheets.

• Fluent in English, both written and spoken.

• Excellent stakeholder management abilities and capacity to communicate with technical authority.

• Relevant experience with AI and automation aimed at enhancing efficiency (preferred).

• Familiarity with Python or SQL (preferred).

• Previous experience in team management (preferred).

🏝️ Benefits

• Medical and dental insurance.

• Meal and food allowance.

• Life insurance.

• Home office equipment credit.

• Gympass: access to a network of gyms and online classes.

• Childcare or nanny allowance.

• Extended parental leave.

• Open English: discounted lesson packages for all Neowners and their dependents.

• Discounts on MBAs and specialization programs at USP ESALQ.

• Betterfly: wellness platform.

• Alô Cafuné: psychological support program.

• Epharma: discounts of up to 50% on medications.

• Allya: partner network offering discounts at pharmacies, supermarkets, and other establishments.

• Coworking space access, in accordance with company policy.

• Semiannual performance and culture review cycle.

• Regular feedback and support in executing your individual development plan.

• Decola: internal recruitment program.

• Onflow: internal knowledge network.

• Access to payroll-deducted loans.

• Free cashback.