Authorizations Manager

Cartão Elo

Gerente de Autorizações managing payment authorization performance, enforcing compliance and orchestrating stakeholders in the Brazilian payment technology field at Elo.

Posted 5/15/2026full-timeBarueri • 🇧🇷 BrazilMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

Balance increased approvals with risk control
Maximize authorization rates without compromising fraud levels, chargebacks and financial exposure.
Reduce friction in the payment journey
Address root causes of declines, systemic failures and processing inconsistencies in physical and digital environments.
Orchestrate multiple stakeholders with differing interests
Lead technical and strategic alignments between issuers, acquirers, card networks and internal teams.
Respond quickly to crisis scenarios
Manage authorization incidents, performance degradations or system outages with agility, precision and governance.

Requirements

What you’ll need

Payments ecosystem: issuers, acquirers, card networks (brands), sub-acquirers and fintechs.
Authorization flow (on-us / off-us), card-present (CP) / card-not-present (CNP) and international environments.
Authorization performance metrics, TPV (total payment volume), approval rates, declines and market benchmarks.
Payment scheme rules, operational manuals and regulatory impacts on the authorization flow.
Data analysis applied to authorization performance and identification of root causes of declines.
Use of artificial intelligence and analytical models for:
- Detection of transactional behavior patterns
- Optimization of authorization rules
- Decision support in risk and fraud scenarios
Familiarity with machine learning concepts, automation and BI tools.
Understanding of system integrations, authorization messaging and staging (homologation) and production environments.

Benefits

Comp & perks

Profit-sharing program (PPR);
Medical insurance (Bradesco - co-payment);
Optional dental insurance (Bradesco);
Life insurance (Banco do Brasil);
Optional private pension plan (employees may contribute up to 7.8% of salary; Elo matches between 100% and 200% according to plan rules);
Meal/food allowance of R$1,800.00;
R$150.00 flexible balance to use for credit-related benefits;
Christmas voucher of R$850.00;
Home office allowance (R$200.00 for hybrid model and R$300.00 for remote model);
Mobility allowance of R$400.00;
Free parking;
Childcare assistance for parents;
Culture allowance (to be used for theater, cinema or bookstores);
Extended parental leave (for same-sex couples, biological parents, adoptive parents, etc.);
Birthday day off;
Wellness platform focused on mental and nutritional health;
WellHub and TotalPass (network of gyms and studios for sports and fitness).

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

data analysisartificial intelligencemachine learningautomationBI toolssystem integrationsauthorization messagingrisk managementfraud detectionperformance metrics

Soft Skills

leadershipstakeholder managementcrisis managementagilityprecisiongovernancestrategic alignmentproblem-solvingcommunicationcollaboration