Senior Credit FP&A Analyst

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

📋 Description

• Accountable for comprehending and presenting a business perspective on credit metrics (origination/vintage view and portfolio view);

• Serves as the main liaison for the area in reconciling management figures with financial and accounting data;

• Analyzes movements in the Allowance for Doubtful Accounts (PDD) in accounting and articulates them from a business standpoint;

• Conducts impact assessments and simulations for new products, modifications in credit policies, and sensitivity analyses;

• Engages in credit forecasting to facilitate budgeting exercises and budget reviews alongside the Finance team;

• Acts as the primary contact for the area in collaborations with Financial Planning, Accounting, and Product teams.

⛳️ Requirements

• Bachelor’s degree in Business Administration, Economics, Accounting, or a related discipline;

• Proficiency in Credit, Allowance for Doubtful Accounts (PDD), and Management Information Systems (MIS);

• Experience in Financial Planning (FP&A) and Accounting, with an emphasis on Credit;

• Practical experience with credit and delinquency metrics (FPD, delinquency, over, PDD, roll rates, write-offs, ROI, etc.);

• Strong financial and accounting insight applied to the Credit sector;

• Familiarity with credit products, particularly Personal Loans, Consumer Credit (CDC), and Credit Cards (unsecured lending);

• Competence in using spreadsheets and databases.

🏝️ Benefits

• Competitive and market-aligned salary.

• Remote work — wherever you are, you’re part of the team!

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

• Health and dental plans with no co-pay.

• Life insurance.

• Flexible meal allowance (via Flash).

• TotalPass membership to support your health.