Job Description
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. Responsibilities As a Sr. Credit FP&A Analyst , you will play a key role in shaping and executing RecargaPay’s credit strategy, ensuring sustainable growth through smart, data-driven decisions. Working in a dynamic and collaborative environment, you will have the opportunity to influence credit policies, optimize processes, and contribute to building innovative financial solutions that enhance customer experience. Responsible for understanding and providing a business view of credit indicators (origination/vintage view and portfolio view); Primary point of contact for the area in reconciling management figures with financial and accounting numbers; Understand movements in the Allowance for Doubtful Accounts (PDD) in accounting and explain them from a business perspective; Impact analysis and simulation of new products, changes in credit policy, and sensitivity analyses; Credit forecasting to support budgeting exercises and budget reviews with the Finance team; Primary point of contact for the area in relationships with Financial Planning, Accounting, and Product teams.