Sr. Credit FP&A Analyst

📋 Description

• • As a Sr. Credit FP&A Analyst at RecargaPay, you will play a key role in shaping and executing the company’s credit strategy, ensuring sustainable growth through smart, data-driven decisions in a dynamic, collaborative environment.
• • You will be responsible for understanding and providing a business view of credit indicators (origination/vintage and portfolio view), serving as the primary point of contact for reconciling management figures with financial and accounting numbers, and explaining movements in the Allowance for Doubtful Accounts (PDD) from a business perspective.
• • You will conduct impact analysis and simulations of new products, credit policy changes, and sensitivity analyses, perform credit forecasting to support budgeting exercises, and act as the main liaison between the credit team and Financial Planning, Accounting, and Product teams.
• • RecargaPay is an AI-first, 100% remote company serving over 10 million users and processing more than USD 4 billion annually, profitable since 2022, with a mission to deliver the best payment experience for Brazilian consumers and small businesses through a powerful digital ecosystem that connects the banked and unbanked.
• • You will have the opportunity to influence credit policies, optimize processes, and contribute to building innovative financial solutions that enhance customer experience while working with strong teams and solving real problems at scale with purpose.