Sr. Credit FP&A Analyst

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. 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; Monitor and analyze expected credit losses (ECL) and provisioning methodologies under IFRS 9 and Resolution CMN 4,966; 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; Develop financial planning models and portfolio projections for credit products; Primary point of contact for the area in relationships with Financial Planning, Accounting, Risk, and Product teams. Degree in Business Administration, Economics, Accounting, Engineering, or a related field; Solid experience in Credit FP&A, MIS, and financial planning for credit portfolios; Experience with retail credit products for individuals (PF), especially Overdraft (Cheque Especial), Personal Loans, and Credit Cards; Strong knowledge of Allowance for Doubtful Accounts (PDD), Expected Credit Loss (ECL), and credit portfolio provisioning methodologies; Knowledge of IFRS 9 and Resolution CMN 4,966, including impacts on provisioning, portfolio management, and financial reporting; Hands-on experience with credit and delinquency indicators (FPD, delinquency, over, PDD, roll rates, write-offs, ROI, etc.); Strong financial and accounting perspective applied to the Credit business; Experience building credit forecasts, budget planning, and scenario analyses for lending portfolios; Ability to reconcile accounting, financial, and business views of credit performance; Advanced spreadsheet and database skills; Experience working with cross-functional teams including Finance, Accounting, Risk, and Product. 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). Industry-Specific Knowledge It is desirable to have practical familiarity with one or more core financial domains such as lending, payments, credit cards, open finance, fraud prevention, merchant acquiring, or investment services, along with an understanding of their fundamental workflows and business drivers. Experience in how these domains intersect to influence revenue, risk management, and customer satisfaction is highly valued. Ideally, candidates will have applied this knowledge to deliver solutions such as loan-origination engines