Gerente de Planejamento Financeiro | Cartões

United StatesRemoteFull-timemid

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Requirements Summary

Strong professional experience in FP&A or Strategic Finance within banks, fintechs, credit card issuers, or payment companies managing their own credit portfolios.

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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.

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

~1 min read

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.