Gerente de Planejamento Financeiro | Cartões

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Gerente de Planejamento Financeiro | Cartões based in United States .

As Gerente de Planejamento Financeiro, you will lead the financial planning agenda for three strategic business verticals: Cards, Banking, and Insurance. You will operate at the intersection of rigorous financial analysis, business strategy, and executive stakeholder management. The role will be responsible for long-term planning, budgeting, forecasting, performance management, and efficient capital allocation. You will act as a strategic Financial Business Partner, supporting decisions around profitability, new products, portfolio performance, and business viability. A deep understanding of credit card economics will be essential to building accurate and defensible P&L perspectives. You will also lead and develop a team while driving automation, data, and AI initiatives to increase analytical efficiency.

Accountabilities
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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.

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Lead monthly, annual, and long-term financial planning cycles, establishing analytical standards, operating cadences, and continuous reforecasting processes.

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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.

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Build, parameterize, and continuously improve financial projection models, with strong focus on credit card unit economics.

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Analyze key card profitability drivers, including product P&L, interchange revenue, net interest income (NII), funding costs, delinquency, credit provisions, and cohort/vintage performance.

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Partner closely with Credit and Collections teams to reconcile risk and revenue perspectives and establish a consistent, robust view of product P&L.

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Drive automation, data utilization, and practical applications of AI to improve team efficiency and increase capacity for high-value strategic analysis.

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Lead, coach, and develop the direct team, strengthening technical capabilities and raising the quality of financial analysis and business partnership.

Requirements:

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Strong professional experience in FP&A or Strategic Finance within banks, fintechs, credit card issuers, or payment companies managing their own credit portfolios.

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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.

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Advanced financial modeling skills using Excel or Google Sheets, with the ability to accurately and robustly represent complex business dynamics.

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Fluent English, both written and spoken, with confidence in executive presentations and communication with external stakeholders.

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Strong stakeholder management and communication skills, with the ability to navigate senior audiences and communicate with technical authority.

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Experience applying AI and automation to improve financial routines and analytical efficiency is desirable.

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Knowledge of analytical languages or databases such as Python and SQL is a plus.

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Previous experience managing and developing teams is desirable.

Benefits:

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Fully remote work model in Brazil.

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Medical and dental insurance.

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Meal and food allowance.

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Life insurance.

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Home office equipment allowance.

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Gympass access to gyms and online classes.

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Childcare or babysitter assistance.

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Extended parental leave.

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Discounted English classes through Open English for employees and dependents.

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Discounts on MBAs and specializations through USP ESALQ.

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Betterfly wellbeing platform.

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Psychological support program.

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Discounts of up to 50% on medicines.

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Access to partner discounts through Allya.

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Coworking space access according to internal policy.

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Semiannual performance and culture review cycle.

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Regular feedback and individual development plan support.

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Internal mobility opportunities through the Decola program.

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Access to internal knowledge-sharing through Onflow.

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Access to payroll-deductible credit facilities.

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Free cashback benefits.