Banco Sofisa S/A

Manager

• Identify and prospect new clients
• Monitor the quantitative and qualitative development of the portfolio
• Propose and follow up on solutions for risk situations
• Identify new products launched by competitors
• Strategically planned business visits (segment-focused)
• Focus on acquiring new corporate clients (PJ) with annual revenue between BRL 10–100M (prospecting)
• Manage the client portfolio and provide post-sale support.

Commercial Manager - Corporate (PJ) - All Regions

• Identify and prospect new clients
• Monitor the quantitative and qualitative development of the client portfolio
• Propose and monitor solutions for risk situations
• Identify new products launched by competitors
• Identify new business opportunities in the middle market segment with clients generating annual revenues above BRL 100M

Corporate Sales Manager - Middle Market (All Regions)

Analyst

• Analysis of financial statements for companies/groups with annual revenue from BRL 20 million (Balance Sheet, Income Statement (DRE), Cash Flow, Changes in Equity, explanatory notes)
• Financial analysis of the cash cycle (PMR, PMP, PME — average collection, payment and inventory periods; equivalents: DSO, DPO, DIO)
• Industry/sector analysis
• Measuring collateral performance and standalone (clean) credit risk
• Preparation of credit opinions and clear, concise presentation at pre-committee and credit committee meetings
• Conducting calls and client visits
• Liaising with the commercial team to understand credit requirements

Credit Analyst – Mid-level

• Manage a portfolio of delinquent corporate clients overdue between 30 and 90 days, analyzing each case to identify financial capacity, sufficiency and enforceability of collateral, and the best credit restructuring alternatives aimed at reducing delinquency and the loan loss provision (PDD) for the corporate segment.
• Consult internal systems, credit bureaus, conduct asset searches, and obtain the legal/financial information necessary to structure a credit recovery strategy.
• Work collaboratively with Commercial, Legal, Monitoring and other areas to align strategy, involving the necessary departments and driving the best solutions for each case.
• Monitor and participate in judicial recovery assemblies.
• Create and maintain a history and update all contacts and activities related to credit recovery.
• Support the commercial team in negotiations with clients and in evaluating the effectiveness of applied strategies, performing visits across the country and attending meetings according to the current collection policy and escalation schedule.
• Structure renegotiation proposals and/or debt acknowledgments, adding collateral and adapting to the client’s payment capacity in accordance with the area’s policies and procedures.
• Monitor and manage the portfolio of renegotiated contracts and debt acknowledgments, ensuring proactive and timely actions to maximize collection of amounts due or enable enforcement of collateral.
• Prepare management and performance monitoring reports, including delinquency, recoveries and risk exposure.
• Participate in credit committee discussions and prepare executive presentations for committees, submitting negotiation proposals for evaluation according to the approval matrix and recommending actions needed to maximize recovery prospects.
• Propose improvements to the credit recovery process and area policies.

Credit Restructuring Manager

• Execute and review federal tax filings: DCTF/DCTFWeb, EFD-Contribuições, EFD-Reinf, PER/DCOMP, DIRF (when applicable).
• Manage and validate federal withholdings: IRRF, PIS, COFINS and CSLL.
• Perform calculations, validations, and submissions of municipal service tax (ISS) for own operations and DESIF, as well as withheld ISS, including verification of electronic service invoices (NFS-e).
• Carry out tax reconciliations between the ERP, reports and submitted tax returns.
• Manage federal and municipal tax clearance certificates (CNDs): issuance, renewal and resolution of outstanding issues (RFB, PGFN, Social Security and ISS).
• Maintain tax governance: protocols, supporting evidence, audit trails and deadline controls.
• Support audits and process improvements, including automations.

Tax Analyst, Mid-Level

• Coordinate the calculation of direct taxes (IRPJ, CSLL) and indirect taxes (PIS, COFINS, ISS), ensuring compliance with federal, state and municipal regulations applicable to the financial sector.
• Ensure accurate and timely delivery of ancillary tax obligations (ECD, ECF, DIRF, PER/DCOMP, DCTF, among others).
• Monitor and interpret changes in tax and regulatory legislation, assessing impacts on the Bank's operations.
• Implement and review tax controls aligned with accounting and fiscal criteria.
• Assess the impacts of Resolution 4,966 on the taxable base for the provision of expected credit losses (ECL), profit taxation, incentives and tax benefits.
• Ensure integrity and traceability of tax data used in calculations and reporting.
• Assist in preparing tax planning studies.
• Maximize the utilization of tax credits.
• Support engagements and responses with the Federal Revenue Service, State Tax Authorities, the Central Bank (BACEN) and internal/external audits.
• Prepare supporting documentation and follow up on administrative and judicial tax proceedings.
• Work closely with Accounting, Treasury, Risk, Legal and Controllership teams.
• Provide tax support to business areas for new products, structured transactions, financial instruments and corporate reorganizations.

Tax Coordinator

Financial Planning and Analysis

• Manage the full distribution process for fixed income products on the Sofisa Direto platform;
• Contribute to the prospecting, evaluation, and approval process for new issuers (bank and non-bank);
• Curate fixed income products on the mobile app and website;
• Prepare materials to support complex discussions and contribute to a structured decision-making process;
• Monitor and support revenue management for fixed income products;
• Actively participate in negotiations with partners (internal and external) to secure the best product solutions for clients;
• Participate in the creation of new products, from initial alignment and development to implementation and measurement of results;
• Contribute to improving operational process efficiency together with the operations team, with a focus on scaling the operation and reducing operational risks;
• Produce sales materials and selling arguments to support all distribution teams;
• Create and maintain manuals and procedures for the team’s routines;
• Monitor and map competitor offerings to identify product opportunities;

Junior Investment Products Analyst

• Professional responsible for calculating federal taxes applicable to the financial sector and for filing ancillary tax obligations, ensuring compliance with the Receita Federal (Brazilian Federal Revenue Service) rules and financial institution-specific regulations.
• Calculation of IRPJ, CSLL, PIS and COFINS, taking into account rules specific to financial institutions.
• Submission of ECD, ECF, EFD-Contribuições, DCTF, DCTFWeb and PER/DCOMP.
• Tax reconciliations and validations, ensuring alignment between tax, accounting and regulatory systems.
• Support for internal and external audits and regulatory reviews.
• Monitoring changes in tax legislation and regulations applicable to the financial sector.

Mid-level Tax Compliance Analyst – Financial Institutions

Product Manager

• Lead the end-to-end product development lifecycle for Cash Management products (payments, APIs, ERP/TMS integration, etc.);
• Identify improvement and innovation opportunities for products aimed at large accounts, aligning customer needs with the bank's strategic objectives;
• Define product vision, strategy, and roadmap, ensuring a focus on value generation;
• Translate complex problems into clear, prioritized, and actionable requirements for technology teams;
• Manage the backlog, write user stories, define acceptance criteria, and track deliveries;
• Conduct discovery with clients, partners, and internal teams to capture and validate needs;
• Act as a bridge between business, technology, risk, compliance, and operations, ensuring feasible proposals that comply with regulations;
• Monitor performance indicators (KPIs) and usage results, proposing continuous improvements;
• Lead product and feature launches, including testing, validation, and post-go-live monitoring;
• Ensure the best possible user experience in high-complexity, high-financial-impact solutions.

Product Coordinator – Product Owner

Data Analyst

• Atuação com SQL e SQL Server;
• Atuação desenvolvendo relatórios e procedures em Power BI;
• Atuação na modelagem de dados e Databricks;
• Construção de KPIs e modelagem de dados para desenvolvimento de relatórios em Power BI e/ou Excel;
• Atuação nas ferramentas CRM (DBM);
• Trânsito nas áreas de negócio;
• Criação de Jobs, Stored Procedures, Triggers e Functions.

Analista de Dados, DBM Pleno

• Credit Review Manager.
• Review credit limits for the most critical clients on each platform.
• Organize and lead daily credit committees.
• Conduct fundamental credit analysis based on financial statements, behavioral data, credit bureaus, and other sources, focused on credit granting and monitoring.
• Prepare credit opinions and recommendations, and present cases to the Board/Executive Committee.
• Propose updates and modernizations to the credit process.