Regulatory Accounting Lead

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 As Regulatory Accounting Lead, you will be responsible for leading RecargaPay's regulatory accounting function across its prudential conglomerate, including the Payment Institution (IP), Credit Finance Company (SCFI), and the consolidated group. You will ensure the accuracy and compliance of statutory and regulatory financial reporting, while overseeing the preparation of the group's financial statements under US GAAP. This role requires deep expertise in accounting for regulated financial institutions, strong knowledge of BACEN regulations, and the ability to operate autonomously in a highly complex and fast-changing regulatory environment. You will serve as a key partner to internal stakeholders, auditors, regulators, and executive leadership, providing technical accounting guidance and supporting strategic business initiatives. Key Responsibilities Financial Reporting & Regulatory Compliance Prepare and review individual and consolidated statutory financial statements in accordance with BACEN, IFRS, and US GAAP requirements. Ensure timely and accurate submission of regulatory reports, including CADOCs 4010, 4011, 4060, 4111, 3040, and SVR reports 9800 and 9805. Partner with Compliance and Regulatory Data teams to validate regulatory reporting and ensure regulatory adherence. Maintain accounting policies and procedures aligned with regulatory and financial reporting requirements. Audit & External Stakeholder Management Lead external audits related to accounting and regulatory reporting matters. Defend accounting positions and technical interpretations before auditors and regulators. Manage the institutional relationship with BACEN and coordinate technical discussions with external consultants and advisors. Credit Products Accounting Own the end-to-end accounting treatment for credit card, revolving credit, loan, and deposit products. Ensure proper accounting treatment for provisions, credit portfolios, funding instruments, and structured products. Translate transactional data from data lakes into accounting entries and support automation initiatives for accounting processes across IP and SCFI entities. Technical Accounting & Strategic Projects Research, interpret, and implement complex accounting and regulatory standards, including IFRS, COSIF, and BACEN regulations. Prepare formal technical accounting memorandums to support accounting positions and business decisions. Evaluate the accounting implications of strategic initiatives, including FIDC structures, lending products, and other business expansion projects. Support leadership in assessing regulatory and accounting impacts of new products and corporate initiatives. Bachelor's degree in Accounting or related field. Professional accounting certification and/or specialization in IFRS, COSIF, or related disciplines is a strong plus. Solid experience of accounting experience within regulated financial institutions such as Payment Institutions, SCFIs, banks, or similar organizations. Proven experience working within prudential conglomerates and regulatory reporting environments. Strong knowledge of IFRS, COSIF, US GAAP, and BACEN regulations applicable to payment and credit institutions. Experience with accounting treatment of credit products, funding instruments, deposits, and securitization structures. Hands-on experience preparing and reviewing BACEN regulatory filings and reports. Experience working with large datasets, data lakes, and accounting automation initiatives. Advanced analytical skills with the ability to interpret complex accounting and regulatory requirements. Professional proficiency in English. Soft Skills Strong leadership and technical influence capabilities. Excellent communication skills with the ability to engage senior stakeholders, auditors, regulators, and executive leadership. High level of organization and ability to manage multiple priorities simultaneously. Strong analytical and problem-solving mindset. Proactive attitude with a continuous improvement mentality