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 Brazil.

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
-

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.