Financial Planning Manager – Cards

• Act as the Financial Business Partner for Cards, Banking, and Insurance
• Support data-driven decisions, economic feasibility studies for products and features, and portfolio profitability monitoring
• Lead the monthly, annual, and long-term budgeting cycle
• Establish cadence, analytical standards, and ongoing reforecasting processes
• Perform Actual vs. Budget vs. Forecast analyses
• Lead the closing of results for the business verticals and prepare executive reports for the Board, executive leadership, and senior management
• Build, parameterize, and enhance projection models incorporating card unit economics
• Partner with Credit and Collections to align risk and revenue perspectives in the product P&L
• Drive automation and explore AI applications to optimize processes
• Lead and develop the direct team, raising the technical bar

• Strong experience in FP&A or Strategic Finance at banks, fintechs, or card issuers/payment companies that originate and manage their own credit portfolios
• Practical and conceptual understanding of card financial dynamics, including NII, funding costs, interchange, fees, revolving credit, credit risk/provisioning (PDD), and cohort/vintage analysis
• Ability to build accurate and robust financial models in Excel/Google Sheets
• Fluent English, both written and spoken
• Strong stakeholder management skills and the ability to communicate with technical authority
• Practical experience with AI and automation to improve efficiency (preferred)
• Knowledge of Python or SQL (preferred)
• Previous team management experience (preferred)

• Medical and dental insurance
• Meal and food allowance
• Life insurance
• Home office equipment credit
• Gympass: access to a network of gyms and online classes
• Childcare or nanny allowance
• Extended parental leave
• Open English: discounted lesson packages for all Neowners and their dependents
• Discounts on MBAs and specialization programs at USP ESALQ
• Betterfly: wellness platform
• Alô Cafuné: psychological support program
• Epharma: discounts of up to 50% on medications
• Allya: partner network offering discounts at pharmacies, supermarkets, and other establishments
• Coworking space access, in accordance with company policy
• Semiannual performance and culture review cycle
• Regular feedback and support in executing your individual development plan
• Decola: internal recruitment program
• Onflow: internal knowledge network
• Access to payroll-deducted loans
• Free cashback