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.