Business Unit FP&A Specialist

Come Make an Impact on Millions of Brazilians!

At RecargaPay, we’re on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We’ve been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We’re looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what’s possible.

If you’re ready to do your best work, at scale, with purpose — this is your place.

Position Overview

The Credit Card Business Unit FP&A Specialist will lead credit card financial oversight, planning and analysis. The role requires a person with a strategic financial expert in Credit Card business and products, with a robust understanding of both Brazilian Credit Card and financial markets combined with a “hands on approach".

The person in this position will be responsible for Credit Card financial performance (revenues and costs - direct and indirect), reporting accuracy, developing financial models and ensuring alignment between financial strategies and operational goals.

Key Responsibilities

• Financial Planning and Analysis: develop and manage detailed financial models, forecasts, budgets and long-term plans for the Credit Card Business Unit. Collaborate with the Consolidation team and Credit Card BU Team to ensure accurate financial projections. Lead initiatives under your role to optimize processes while maintaining quality and compliance;
• Performance Monitoring: establish KPIs and monitor Credit Card financials performance, analyzing variances and advising on corrective actions. Provide actionable insights for decision-making at both strategic and operational levels;
• Financial Reporting: lead the preparation of accurate and timely Credit Card financial reports (matched with Accounting reports), consolidating data to provide a clear view of business performance. Work closely with the Financial Consolidation team and Senior Finance team on assisting them for Credit Card details in reporting to investors and stakeholders;
• Risk Management: identify and mitigate financial risks within the Credit Card Business Unit, with a keen understanding of the Brazilian financial market’s unique risks.
• Cross-Functional Leadership: serve as a financial advisor to Credit Card Business Unit leaders, helping them to drive decisions aligning financial outcomes with business objectives. Partner with Operations, Sales and Technology teams for seamless Credit Card financial integration.
• Data: be able to work with several different data sources and Data teams in order to have data summarized as necessary to use in your reports and controls.

Requirements:
• Educational background: Bachelor's degree in Finance, Accounting, Economics or related field preferred. Professional certifications (CPA, CFA) or Master's degree would be a plus;

• Experience: experience in Credit Card financial management, ideally within Credit Card fintechs or Credit Card financial services sector . Proven expertise in the Brazilian Credit Card market is essential;
• Hands-on approach to day-to-day activities;
• Strong communication skills,
• Strong Credit Card financial modeling and analytical skills;
• Advanced Excel (Google Sheets)
• Advanced knowledge to work with data sources in different tools
• Good knowledge of Brazilian Accounting Standards and regulatory requirements. US GAAP knowledge would be a plus.
• Languages: Fluency in Portuguese and English is required, Spanish would be a plus.

Soft Skills

• Analytical and detail-oriented: strong ability to analyze complex Credit Card financial data a and provide insightful recommendations;
• Strategic mindset: able to see the big picture while managing the details, with a strong focus on Credit Card business growth;
• Ownership, autonomy, and accountability
• Influence without authority
• Collaboration

Benefits:
• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance 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 take care of your health.
• Spanish or Portuguese classes.

Diversity & Inclusion at RecargaPay

At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the Use of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).