Senior Accounts Payable Analyst

📋 Description

• Lead the daily financial operations for R2’s entities in LatAm, Cayman, and the U.S., which includes managing cash movements, loan originations, collections, and intercompany settlements.

• Oversee transactions and reconciliations associated with the SOFOM (Mexico) and the FIDC (Brazil), ensuring compliance with regulatory and contractual obligations.

• Manage cash flows across multiple entities, including cross-border transfers and settlements with partners, lenders, and investors.

• Ensure consistency and control in all regional cash and transactional processes.

• Supervise daily reconciliations of loan originations, repayments, accounts receivable, and payment transactions throughout R2’s systems and bank accounts.

• Confirm that operational data, bank statements, and accounting records are fully synchronized.

• Investigate discrepancies and drive timely resolutions, including conducting root-cause analyses and implementing preventive measures.

• Maintain standardized reconciliation procedures and documentation to bolster internal controls and audits.

• Monitor daily cash positions across different entities and assist with short-term liquidity planning.

• Coordinate and validate funding transfers, partner settlements, and disbursements of interest or fees.

• Assist the Treasury team with cash forecasting, ensuring sufficient funding for operational and lending needs.

• Implement and uphold payment approval controls and treasury policies across various jurisdictions.

• Manage and supervise the BPO responsible for reconciliations and settlements, ensuring adherence to SLAs and accuracy in deliverables.

• Review daily and monthly reports from the BPO, escalating exceptions and ensuring prompt corrections.

• Define and monitor KPIs and dashboards to assess the performance and reliability of financial data.

• Maintain and enhance internal reconciliation tools, dashboards, and financial reports to provide visibility into operational cash and transaction status.

• Collaborate with Data, Product, and Technology teams to automate reconciliations and improve system integration (banking APIs, loan origination systems, ERP, and FIDC/Trust systems).

• Support system testing, implementations, and ongoing process optimization.

• Ensure all financial operations align with company policies, internal controls, and regulatory requirements.

• Deliver regular operational and exception dashboards for senior management.

• Assist with external and internal audits by providing accurate documentation of reconciliations and payment workflows.

⛳️ Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field.

• 4–6 years of experience in financial operations, treasury, or reconciliations, preferably in fintech, financial services, or payment institutions.

• Demonstrated experience in managing multi-entity, cross-border operations, including regulated vehicles (SOFOM, FIDC, or equivalent).

• Practical experience with cash management, loan originations, collections, and accounts receivable reconciliation.

• Familiarity with ERP and reconciliation tools (NetSuite, bank APIs, automation platforms, or trust/fiduciary systems).

• Strong analytical skills with the ability to interpret and synthesize large amounts of financial data.

• Experience managing BPOs or shared services for operational finance tasks.

• Exceptional organizational and communication skills, with a keen attention to detail and a sense of ownership.

• Full professional fluency in English and Spanish and/or Portuguese is highly advantageous.

• Previous experience in a rapidly growing fintech or startup environment is highly desirable.

• A proactive, analytical, and process-oriented mindset with a focus on continuous improvement.

🏝️ Benefits

• Health insurance

• Professional development

• Flexible work arrangements