Product Manager

• Act as the strategic focal point between requesting channels and the delivery team.
• Define and prioritize the product roadmap, balancing business initiatives and technical evolution.
• Collaborate with technical teams on decisions regarding technologies, architecture, DevOps, and scalability.
• Manage the product backlog, translating business objectives and technical requirements into clear deliverables.
• Conduct market analysis and benchmarking to identify opportunities for innovation and competitiveness.
• Represent the product in strategic meetings and negotiations with clients and partners.
• Monitor product performance metrics.
• Perform financial analysis for the portfolio.
• Manage the quarterly roadmap for internal and external (partner) services and products; evaluate results and adjust strategy as needed to ensure the product meets stakeholders' needs and expectations.

Senior Product Owner

Growth Marketing

• Lead the performance and growth strategy for credit, owning the full lifecycle:
• origination → activation → monetization → collections → loss. Responsible for the profitability of private-label credit operations in retail.
• Ability to translate complex models into measurable financial impact
• Develop business plans for private-label and network-branded credit operations
• Manage a team focused on growth and growth initiatives
• Design new business models and monetization strategies
• Model unit economics and credit P&L
• Build actionable KPIs for performance, risk and monetization
• Structure performance-oriented roadmaps leveraging technology, data and product

Head of Performance and Growth

Financial Planning and Analysis

• Lead the Financial Planning (FP&A) and Treasury areas, ensuring financial discipline, result predictability and cash governance.
• Lead the annual budgeting process (Budget) and periodic reviews (Forecast / Rolling Forecast).
• Build and monitor financial models and performance projections.
• Develop analyses of financial performance (revenue, margin, EBITDA and operational KPIs).
• Design management dashboards and financial metrics.
• Prepare materials and analyses for the executive committee and the board.
• Support business areas in profitability analysis of products and strategic initiatives.
• Monitor variances between actuals vs. budget and propose action plans.
• Lead the company's cash flow management.
• Prepare and monitor short-, medium- and long-term cash forecasts.
• Manage working capital and liquidity.
• Manage relationships with banks and financial institutions.
• Support the structuring and management of credit lines and financing.
• Develop cash governance processes and controls.
• Support the company’s strategic finance initiatives.
• Design and improve financial processes and controls.
• Work closely with Controllership, Accounting and operational teams.
• Support financial automation, BI and systems improvement projects.
• Ensure the quality and consistency of financial information.

Financial Planning Manager

Billing Specialist

• **Billing and Revenue Recognition**
• Calculate monthly billing using operational data, business rules and integrations among systems (ERP, platforms and internal databases).
• Ensure compliance with contracts, internal policies and applicable accounting standards for revenue recognition.
• Investigate and resolve discrepancies between fiscal, commercial and operational data together with areas such as Sales, Treasury, Customer Support and Operations.
• Validate, cross-check and consolidate data from multiple sources with a high level of accuracy, traceability and governance.
• **Delinquency Management (direct handling and recovery)**
• Monitor and control delinquency and portfolio health indicators (aging, involuntary churn, allowance for doubtful accounts (PDD), etc.).
• Act directly in dealings with delinquent customers, performing outreach, negotiation, alignment of outstanding items and payment agreements.
• Lead recovery strategies, including analysis of historical records, agreements, renegotiations and recommendations for adjustments to the collections process.
• Identify risk profiles, propose improvements to credit/collections processes and work with Treasury on preventive actions.
• Support the preparation and review of forecasts and provisions related to delinquency.
• **Processes, Governance and Automations**
• Map, standardize and optimize revenue and collections cycle processes, aiming for efficiency and reduction of rework.
• Participate in the implementation and evolution of automations, integrations and system flows that support billing, revenue, collections and reporting.
• Collaborate with Data, Product and Technology teams to improve rules, integrations and the architecture of the systems involved.
• **Analysis, Close and Reporting**
• Support the monthly close with consistent analyses and evidence for Accounting, Controllership and Audit.
• Build and maintain dashboards and management metrics that support strategic decisions on revenue performance and delinquency behavior.
• Perform complex ad hoc analyses, delivering high-value insights to leadership.

Senior Billing Analyst

Analyst

• Perform accounting analyses, reconciliations and compositions of balance sheet and income statement accounts.
• Prepare and review financial statements.
• Manage and record fixed assets and provisions.
• Prepare workpapers and supporting documentation for external audit (Big Four).
• Respond to internal and external audit requests.
• Prepare and review statutory filings (ECD and ECF).
• Participate in the monthly and annual accounting close processes.
• Knowledge of IFRS and Brazilian CPCs.
• Support Management on planned change initiatives (Tax Reform).

RPE

Senior Product Owner

Head of Performance and Growth

Financial Planning Manager

Senior Billing Analyst

Senior Accounting Analyst