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.