BUSINESS UNIT FINANCIAL PLANNING & ANALYSIS (FP&A) SPECIALIST

Come and impact millions of Brazilians!! At RecargaPay, we are more than just an app.
Our mission is to democratize mobile payments and financial services for millions of Brazilians.
We are passionate about innovation and committed to creating solutions that simplify our users’ daily lives.
Throughout our Super App, the platform streamlines everyday payments for over 6 million consumers and SMEs by consolidating credit and debit cards, instant payments like Pix, and Open Finance.
Featuring services such as bill payments, mobile top-ups, public transportation, installment plans, and loans, designed with convenience, low cost and flexibility in mind.
RecargaPay is changing the way both banked and unbanked Brazilians make their everyday payments and access their financial services.
As a typical fintech, we have an entrepreneurial mindset and constant proximity to senior leadership, as well as a genuinely multicultural, dynamic, and flexible culture.
The Business Unit FP&A Specialist will play a key role in financial oversight, planning, and analysis for Recargapy’s business units.
This position requires a detail-oriented finance professional with a strong understanding of the Brazilian financial market and a hands-on approach to day-to-day tasks.
The Specialist will be responsible for building, maintaining, and reporting financial statements, including the P&L, Balance Sheet, and Cash Flow, ensuring accuracy and compliance with local regulations.
Additionally, the role involves preparing forecasts and projections to help envision the future performance of the business units.
This position is ideal for a proactive and analytical professional who thrives in a fast-paced fintech environment.
Key Responsibilities.
Develop Business Unit Financial Statements.
Collaborate with accounting and finance teams to build and maintain monthly financial statements (P&L, Balance Sheet, and Cash Flow) for each business unit.
Incorporate unique strategies, initiatives, and internal funding costs to ensure accuracy and alignment with business goals; Financial Planning and Analysis.
Develop and maintain financial forecasts, budgets, and long-term plans for business units.
Work closely with the consolidation team and business unit stakeholders to ensure reliable and accurate financial projections; Budgeting and Cost Control.
Support budgeting processes, track expenses, and identify opportunities to optimize operational costs while maintaining compliance and quality standards; Performance Monitoring.
Monitor financial performance, analyze variances, and recommend corrective actions.
Continuously challenge performance indicators to improve insights and visualizations for decision-making; Financial Reporting.
Assist in the preparation of timely and accurate financial reports, consolidating data to provide a clear view of business unit performance.
Collaborate with the financial consolidation team and senior finance leadership on reporting to investors and stakeholders; Cross-Functional Collaboration.
Partner with business unit leaders and cross-functional teams (operations, sales, and technology) to provide financial insights that support strategic decision-making and ensure financial alignment with operational objectives.
Education.
Bachelor’s degree in Finance, Accounting, Economics, or related field.
Professional certifications (e.
., CPA, CFA) are a plus; Experience.
in FP&A, financial analysis, or business unit controller roles, ideally within fintech, financial services, or a fast-paced environment.
Experience with the Brazilian financial market is required; Proven experience in modeling SCFI/ALM, credit card products, and other credit financials is a plus.
Skills.
Strong financial modeling and analytical skills; Proficiency in ERP systems and financial planning tools (e.
., SAP, Oracle, Hyperion); Advanced Excel and data visualization skills (e.
., Power BI); Solid understanding of Brazilian accounting standards and regulatory requirements, including capital requirements for S5, S4, and S3 entities; Strong communication skills with the ability to present insights clearly and effectively; Hands-on approach to day-to-day activities; Languages.
Fluency in Portuguese and English is required; Spanish is a plus.
Personal Attributes.
Analytical and Detail-Oriented.
Ability to analyze complex financial data and provide actionable recommendations; Strategic Mindset.
Capable of balancing big-picture thinking with attention to detail to drive business outcomes; Collaborative Professional.
Strong interpersonal and communication skills to work effectively with cross-functional teams; Proactive Problem Solver.
Demonstrates initiative in identifying challenges and implementing innovative solutions; Results-Driven.
Maintains a strong commitment to achieving goals and delivering high-quality outcomes.
Competitive salary; Anywhere office - work from wherever you want; Home office assistance - monthly deposit in the RecargaPay app for personal use; Medical and Dental assistance without co-participation; Discount in Universities for Undergraduate, Graduate and MBA courses; Educational partnerships; Access to digital educational platform; Life insurance; Flexible Meal voucher - Flash; TotalPass; Spanish classes.
Diversity & Inclusion at RecargaPay Diversity is part of our DNA and we are in constant search for representativeness and evolution.
We believe that our employees should be who they are, and that is what makes them unique in their roles - regardless of gender, religion, disabilities, LBGTQIAPN+, ethnicity, generations and different experiences.
And we are looking for people who are authentic and free to co-create a more inclusive and innovative company and society.
Does it sound like you? The use of your Data The candidate, when sending the curriculum with personal and professional data to participate in RecargaPay's recruitment and selection process, is aware that the data will be used for the necessary analysis and validations throughout the recruitment process and for hiring, if necessary, as well as authorizes RecargaPay to share the curriculum data with other companies in the RecargaPay group in case opportunities arise in line with the candidate's profile.
In compliance with Law , LGPD - General Data Protection Law, the candidate may ask for the updating, rectification and modification of his information during the recruitment and selection process, or, still, request the non-use of the data under the terms applicable law.