Gerente de Planejamento Financeiro | Cartões

Accountabilities: Act as a strategic Financial Business Partner for the Cards, Banking, and Insurance businesses, supporting data-driven decision-making and evaluating the economic feasibility of new products and features. Lead monthly, annual, and long-term financial planning cycles, establishing analytical standards, operating cadences, and continuous reforecasting processes. Manage business performance through Real vs. Budget vs. Forecast analyses, business-unit closing processes, and executive reporting for senior leadership, directors, and board-level stakeholders. Build, parameterize, and continuously improve financial projection models, with strong focus on credit card unit economics. Analyze key card profitability drivers, including product P&L, interchange revenue, net interest income (NII), funding costs, delinquency, credit provisions, and cohort/vintage performance. Partner closely with Credit and Collections teams to reconcile risk and revenue perspectives and establish a consistent, robust view of product P&L. Drive automation, data utilization, and practical applications of AI to improve team efficiency and increase capacity for high-value strategic analysis. Lead, coach, and develop the direct team, strengthening technical capabilities and raising the quality of financial analysis and business partnership. Requirements: Strong professional experience in FP&A or Strategic Finance within banks, fintechs, credit card issuers, or payment companies managing their own credit portfolios. Deep practical and conceptual knowledge of credit card financial dynamics, including NII, funding costs, interchange, fees, revolving credit, credit risk, PDD/provisions, and cohort/vintage analysis. Advanced financial modeling skills using Excel or Google Sheets, with the ability to accurately and robustly represent complex business dynamics. Fluent English, both written and spoken, with confidence in executive presentations and communication with external stakeholders. Strong stakeholder management and communication skills, with the ability to navigate senior audiences and communicate with technical authority. Experience applying AI and automation to improve financial routines and analytical efficiency is desirable. Knowledge of analytical languages or databases such as Python and SQL is a plus. Previous experience managing and developing teams is desirable. Benefits: Fully remote work model in Brazil. Medical and dental insurance. Meal and food allowance. Life insurance. Home office equipment allowance. Gympass access to gyms and online classes. Childcare or babysitter assistance. Extended parental leave. Discounted English classes through Open English for employees and dependents. Discounts on MBAs and specializations through USP ESALQ. Betterfly wellbeing platform. Psychological support program. Discounts of up to 50% on medicines. Access to partner discounts through Allya. Coworking space access according to internal policy. Semiannual performance and culture review cycle. Regular feedback and individual development plan support. Internal mobility opportunities through the Decola program. Access to internal knowledge-sharing through Onflow. Access to payroll-deductible credit facilities. Free cashback benefits.