Atuar como especialista de referência em Business Analytics no Produto Cartão de Crédito, liderando a identificação e a execução de alavancas de growth e lucro na operação e apoiando a liderança na definição da estratégia.
RESPONSABILIDADES
- Conduzir iniciativas de alto impacto para crescer a base, o engajamento e a rentabilidade do cartão, da hipótese ao resultado medido
- Diagnosticar retenção, uso e margem (P&L, DC, cohorts) e traduzir os achados em ações priorizadas por impacto financeiro
- Fazer a ponte entre Produto, Política de Crédito, Cobrança e CRM/Martech, com visão de impacto cruzado entre as áreas
- Ser dono dos modelos de budget e forecast, garantindo que sustentem as decisões da área
- Apoiar a liderança na definição de roadmap, prioridades e estratégia do produto
- Usar IA no dia a dia para acelerar análises, automatizar rotinas e elevar o padrão técnico do time
Requirements
- Formação superior completa
- Uso de IA no dia a dia, como parte essencial da rotina de trabalho
- SQL sólido para explorar e construir as próprias análises
- 3+ anos em Business Analytics ou áreas afins, preferencialmente em crédito, cartões ou fintech
- Experiência comprovada em análise de P&L, unit economics e/ou forecast
- Inglês/Espanhol avançado
COMPETÊNCIAS
- Expertise técnica e rigor analítico (inferência causal, não só análise descritiva)
- Visão sistêmica e de negócio, conectando dado a resultado financeiro
- Senso de dono e autonomia para construir do zero
- Comunicação executiva, traduzindo análise em decisão para a liderança
Benefits
- Competitive and market-aligned salary.
- Remote work — wherever you are, you’re part of the team!
- Home office allowance through a monthly deposit in the RecargaPay app.
- Health and dental plans with no co-pay.
- Life insurance.
- Flexible meal allowance (via Flash).
- TotalPass membership to take care of your health.
At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.
About the Use of Your DataBy sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).
Skills Required
- Completed university degree
- Daily use of artificial intelligence as an essential part of work
- Strong SQL skills for independently exploring data and building analyses
- 5+ years of experience in Business Analytics, Business Operations, or related fields
- Proven experience analyzing P&L, unit economics, and/or forecasts
- Advanced to fluent English
- Experience in credit, credit cards, or fintech
What We Do
RecargaPay is an all-in-one payments superapp based in Brazil that invites people to switch out of autopilot and rethink their finances based on convenience, affordability, and flexibility. The platform streamlines payments for over 7 million Brazilians by consolidating credit and debit cards, instant payments like Pix, and Open Finance, on a mission to democratize mobile payments and financial services in Brazil. 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. Founded in 2010, having already received over $120 million in funding from investors that include IFC and IADB, RecargaPay is authorized as a Payments Institution and SCD by the Brazilian Central Bank.
