Sr. Credit FP&A Analyst

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.