Cartão Elo

Financial Planning and Analysis

• Structure, execute and review stress tests for credit, liquidity and market risk, considering idiosyncratic and systemic scenarios.
• Assess impacts on results, capital, liquidity and risk appetite.
• Conduct periodic backtesting routines for risk models (e.g., PD, LGD, EAD, VaR, liquidity models).
• Evaluate model adherence, stability, predictive power and performance.
• Document validation results and support interactions with internal and external audits.
• Develop and improve internal predictive models using statistical, econometric or machine learning techniques (when applicable).
• Implement and monitor performance metrics (AUC, KS, RMSE, etc.).
• Participate in updating policies, limits, risk appetite and regulatory reports.
• Prepare technical materials for executive committees and the board of directors.
• Support the ongoing assessment of the risk management framework.

Financial Risk Specialist

• Management of Credit, Liquidity and Market risks, including continuous monitoring, periodic reporting, and updating policies and indicators.
• Calculation, updating, and control of participant collateral, as well as calculating PD (probability of default), ratings, and reviewing financial statements (annual and on-demand).
• Regulatory support, preparing deliverables for the Central Bank (Bacen), Executive Board, Risk Committee, and drafting official materials and memoranda.
• Prompt support to internal teams and partners, including data analysis, handling non-funding flows, maintaining reports and the Financial Risks page.
• Contribute to process automation and continuous improvements.
• Assist in updating quantitative models, spreadsheets and databases used by the team.
• Contribute to preparing management reports, risk indicators (KRIs) and Risk Appetite indicators (RAS).
• Support analysis and monitoring of the company's key financial risks (market, credit, liquidity).
• Assist with internal and external audits when necessary.
• Create Risk Dashboards for partner areas.

Non-Financial Risk Analyst – Mid-Level

Business Development Rep

• Responsible for B2B account management for merchant acquirers, sub-acquirers and digital wallets. Act as the primary point of contact between Elo and partners, ensuring deliverables and identifying business opportunities;
• Analyze the payments market and future trend scenarios;
• Lead recurring meetings with internal teams and portfolio partners to capture priorities, identify and evaluate opportunities, and align agendas according to partner needs;
• Actively participate in the onboarding of new partners or projects, collaborating with Operations, Pricing, Legal, Finance and peer teams;
• Work closely with Product, Digital Business, Finance, Authorization, Operations and Fraud Prevention teams;
• Support corporate meetings to present, discuss and align regulatory topics and opportunities with partners;
• Analyze performance indicators and support discussion and refinement of action plans internally and with clients;
• Drive new business generation within the assigned partner portfolio;
• Ensure alignment and communication with internal and external stakeholders;
• Contribute to the culture and process evolution of the area and the company.

Business Development Specialist

DevOps Engineer

• Support squads in defining infrastructure
• Support, develop and implement solutions ensuring resilience, scalability, security, and availability of Elo's new services
• Eliminate toil by creating development automation and self-healing mechanisms for infrastructure and applications
• Manage hybrid environments, including AWS and Azure
• Resolve incidents impacting our services through automation to prevent recurrence
• Collaborate on defining system metrics and observability dashboards for infrastructure and services
• Collaborate on defining capacity tests for the infrastructure
• Responsible for managing production incidents and conducting post-mortems

Senior SRE Analyst

Product Manager

• Act as the product owner, with direct responsibility for leading and evolving banking and processing products at Elo.
• Define and structure complex functional requirements, orchestrating flows, customer journeys, and integrations between clients, internal areas, and partners.
• Be a reference for continuous delivery, ensuring predictability, quality, and alignment with strategic objectives.
• Work closely and collaboratively with engineering, design, data, and business teams, influencing technical and functional decisions.
• Transform real customer and partner pain points into strategic, scalable, and sustainable solutions.
• Continuously evolve the product using metrics, operational performance, and feedback as the basis for decisions.
• Lead the management of critical stakeholders, anticipating risks, mediating interests, and enabling decisions.

Product Manager – Payments, Banking & Processing

Frontend Engineer

• Design and develop high-impact projects for our internal and external clients;
• Translate functional and technical requirements into architecture and design;
• Assist the team with development best practices, design patterns, testing, and code reviews, including defining the processes and practices the team will follow;
• Encourage good documentation practices, cultivating and developing them with the team;
• Work closely in a team environment with honesty and transparency;
• Code reviews, pair programming and data-driven development will be part of your daily routine;
• Attend meetings with stakeholders to understand business rules and align expectations;
• Collaborate in planning and technical refinement sessions with other developers;
• Ensure code quality by following development best practices and standards.

Senior Software Engineer – Frontend

Business Intelligence Analyst

• Data preparation and modeling using SQL;
• Conduct studies and analyses using statistical software (Python/R);
• Create presentations with analysis results and data storytelling;
• Develop data science and machine learning projects with strong business applicability.

Business Analytics Analyst, Junior

Analyst

• Map processes using methodologies (BPM, Lean, Six Sigma, etc.)
• Identify improvements, operational efficiencies, risks, and controls in the mapped processes
• Develop flowcharts and support the drafting of policies and procedures
• Support continuous improvement and automation projects
• Collaborate with internal teams to gather information
• Ensure processes are updated and governed in the corporate repository