Credit Specialist

The Business Unit FP&A Specialist will lead financial oversight, planning and analysis for one or more of RecargaPay’s Business Units (e.g. Payments, Credit, Cards, Acquiring, or others as the business evolves). The role requires a strategic financial expert with a robust understanding of the Brazilian financial market combined with a hands-on approach. We’re looking for a flexible, adaptable profile — someone who thrives in a fast-moving environment where business lines can shift, merge, or scale quickly. The ideal candidate sees change as opportunity and brings the versatility to add value across different products and verticals. The person in this position will be responsible for BU financial performance (revenues and costs — direct and indirect), reporting accuracy, developing financial models, and ensuring alignment between financial strategies and operational goals.

Requirements

• Financial Planning and Analysis: Develop and manage detailed financial models, forecasts, budgets and long-term plans for the assigned Business Unit(s). Collaborate with the Consolidation team and BU leaders to ensure accurate financial projections. Lead initiatives under your role to optimize processes while maintaining quality and compliance.
• Performance Monitoring: Establish KPIs and monitor BU financial 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 BU 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 with BU-level details in reporting to investors and stakeholders.
• Risk Management: Identify and mitigate financial risks within the assigned Business Unit(s), with a keen understanding of the Brazilian financial market’s unique risks and regulatory environment.
• Cross-Functional Leadership: Serve as a financial advisor to Business Unit leaders, helping them drive decisions that align financial outcomes with business objectives. Partner with Operations, Product, and Technology teams for seamless financial integration.
• Data & AI: Be able to work with several different data sources and Data teams in order to have data summarized as necessary for your reports and controls. Actively leverage AI tools and automation to enhance analysis, reporting, and decision-making — we expect this role to be at the forefront of AI adoption in the Finance team.

• 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: Proven experience in FP&A, business finance, or financial planning roles within the Brazilian financial market is essential. Ideal candidates will have backgrounds in digital banking, payment companies, or fintechs. Experience with credit products (personal loans, credit cards, or credit lines) is a strong differentiator.
• Hands-on approach to day-to-day activities.
• Strong financial modeling and analytical skills across different types of business units and products.
• Advanced Excel (Google Sheets). • Advanced knowledge to work with data sources in different tools.
• AI fluency: Demonstrated experience using AI tools (LLMs, copilots, automation) in a professional context. We expect candidates to embrace AI and apply it across their workflow — from modeling and analysis to reporting and communication.
• Flexibility and adaptability: Ability to pivot across business lines, products, and priorities as the company evolves. We value profiles that are comfortable operating in a dynamic environment where the scope of work may change.
• Good knowledge of Brazilian Accounting Standards and regulatory requirements. US GAAP knowledge would be a plus. Languages

We are a trilingual team with executive leadership operating across English, Spanish, and Portuguese on a daily basis. We value professionals who can communicate effectively in all three languages at a working/executive level.

• Portuguese: Fluency required (working language in Brazil).
• English: Fluency required (investor relations, reporting, executive communication).
• Spanish: Strongly preferred (daily working language with leadership and cross-functional teams). Candidates with all three languages at executive level will be prioritized.

Soft Skills

• Analytical and detail-oriented: Strong ability to analyze complex financial data and provide insightful recommendations. Strategic mindset: Able to see the big picture while managing the details, with a strong focus on business growth
• Ownership, autonomy, and accountability.
• Influence without authority.
• Collaboration across teams and geographies.
• Adaptability: Comfort with ambiguity and a fast-changing business environment.
• Curiosity and continuous learning: Proactive in adopting new tools, methods, and technologies — especially AI.

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.
  

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).