Business Unit FP&A Specialist

About the role

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 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. Key Responsibilities 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. 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 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. We are a trilingual team with executive leadership operating across English, Spanish

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