RecargaPay

Role Description We are seeking a skilled Engineering Manager in the Fraud team who thrives in a dynamic environment and is passionate about leveraging technology to combat fraudulent activities. In this leadership role, you will drive the technical vision and oversee a talented group of engineers dedicated to building sophisticated fraud detection systems. Your main responsibility will be leading the development and deployment of algorithms that identify potentially fraudulent behavior, balancing security with user experience. You will foster a culture of collaboration and innovation while ensuring that the engineering team has the tools and mentorship they need to succeed. Key Responsibilities: - Manage and lead multiple engineering teams, setting clear objectives and ensuring alignment with company goals. - Play a key role in hiring, training, and developing engineering talent, fostering a growth-oriented and supportive environment. - Establish a culture of technical excellence, accountability, and innovation. - Drive performance management, ensuring continuous learning, coaching, and career progression for team members. - Guide conversations to remove blockers and foster collaboration within the team. - Define clear KPIs and OKRs to measure team effectiveness and delivery success. - Make proactive adjustments to team capacity and delivery timelines as needed. - Accompany the different stakeholders in planning and organizing priorities. - Ensure teams deliver projects on time, meeting quality and scalability standards. - Manage engineering budgets, tooling investments, and infrastructure costs to maximize efficiency. - Clearly communicate the technical vision to engineering teams, ensuring alignment and commitment to delivery. - Collaborate with Product, Design, and Business stakeholders to ensure strategic alignment. - Act as a bridge between business, product and technology, translating technical insights into business impact. - Foster a culture of open communication, knowledge sharing, and cross-team collaboration. - Ensure clarity in system design, advocating for scalable, maintainable, and resilient architectures. - Guide teams in making high-impact architectural decisions, balancing tradeoffs between scalability, security, and performance. - Oversee technical roadmaps, ensuring alignment with business goals and long-term system evolution. - Encourage best practices in software engineering, including code reviews, CI/CD automation, observability, and performance optimization. - Collaborate with cross-functional teams to define and refine technical requirements. - Promote the adoption of AI-assisted engineering practices within your squad and chapter, leveraging tools for code generation, automated refactoring, test case creation, and technical documentation. Qualifications - Academic background oriented toward computer science, engineering, or software development disciplines. - Proven track record of leading teams and working in product-driven companies. - Hands-on experience in backend (Java, Spring Boot, Kafka, PostgreSQL, AWS) and optionally frontend development, with a track record of delivering scalable systems. - Background optimizing engineering processes using agile methodologies, DevOps principles, and continuous delivery pipelines. - Experience working in medium to high complexity domains, with strong understanding of web and mobile application architecture, security, and best practices. - Knowledge of relational database systems and Object Oriented Programming. - Familiarity with Domain-Driven Design (DDD) and experience designing or maintaining microservices-based systems. - Ability to work and thrive in a fast-paced environment, learn rapidly and master diverse web and mobile technologies and techniques. - Practical experience applying AI frameworks in development projects. - Advanced Problem-Solving and Decision-Making Skills. - Ability to engage both technical and non-technical stakeholders. - Proven ability to lead high-performing engineering teams, define clear objectives, and ensure successful, on-time delivery. - Ability to evaluate and prioritize technical work based on business value, system health, and long-term platform goals. - Experience driving knowledge sharing, and promoting collaborative development practices. - Active contribution to aligning technological strategies with broader organizational objectives. - Strong grasp of software quality practices: testing strategies, code reviews, observability, performance optimization. - Strong understanding of software architecture and distributed systems, with experience guiding decisions around scalability, security, and maintainability. - Familiarity with AI-assisted development tools (e.g., code generation, test automation, documentation support). - Proven ability to manage engineering budgets, infrastructure resources, and tooling investments. - Track record of hiring, coaching, and developing engineering talent, including mentoring technical leads and fostering team growth. - Success in managing managers and building layered leadership structures is a plus. - Strong business acumen and ability to translate technical initiatives into business value. - Proven capability defining and tracking team KPIs and OKRs to measure delivery success. - Ability to manage timelines, priorities, and resources across multiple squads or teams. - Demonstrated success working with cross-functional stakeholders (Product, Design, Business, Operations). Benefits - Competitive and market-aligned salary. - Annual Award Program. - Remote work — wherever you are, you’re part of the team! - Home office allowance through a monthly deposit in the RecargaPay app. - Health and dental plans with no co-pay. - Life insurance. - Flexible meal allowance (via Flash). - TotalPass membership to take care of your health. - Language classes. Company Description At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

• Write well designed, testable, efficient code by using best software development practices. • Contribute in all phases of the development lifecycle. • Support continuous improvement by investigating alternatives and technologies and presenting these for architectural review. • Proposes initial technical implementation which supports architectural changes that solve scaling and performance problems. • Work with version control using GitHub, conflict resolution, and automation of continuous integration processes. • Create and maintain software documentation.

• Support the financial reporting and technical accounting function for entities under BACEN and IFRS frameworks. • Lead technical research and analysis of complex accounting matters under BACEN (COSIF and Circulars) and IFRS framework. • Prepare and maintain high-quality technical accounting memos, liaising with internal stakeholders, external auditors, and regulators when necessary. • Collaborate in the preparation and quality review of prudential financial statements and IFRS consolidated reports. • Partner closely with Operational Accounting, FP&A, Risk, Legal, and Product teams to analyze the accounting impact of new transactions, changes in regulation, and business initiatives. • Serve as an internal point of reference for the accounting treatment under BACEN GAAP and IFRS.

Role Description This role acts as a key technical accounting authority, ensuring accurate and compliant financial reporting across BACEN (COSIF) and IFRS frameworks. It exists to interpret complex accounting standards, anticipate regulatory impacts, and translate them into clear guidance that supports business decisions and audit readiness. With a high level of autonomy, the position operates at the intersection of accounting, regulation, and strategy, influencing areas such as financial instruments, revenue recognition, and regulatory reporting. It plays a critical role in maintaining governance, aligning stakeholders (Finance, Risk, Legal, Product), and ensuring consistency and transparency in financial statements for both internal and external audiences. Key Responsibilities - Support the financial reporting and technical accounting function for entities under BACEN and IFRS frameworks. - Lead technical research and analysis of complex accounting matters under BACEN (COSIF and Circulars) and IFRS framework, including: - Financial instruments (including classification, measurement, and expected credit loss under IFRS 9 / Res. 4.966) - Must have - Consolidation of financial Statements, financial disclosures under IFRS and/or local regulatory standards (e.g., BACEN GAAP) - Nice to have - Related party transactions and connected lending rules - Must have - Revenue recognition and expenses under IFRS 15 and BACEN prudential treatment - Must have - Software capitalization (IAS 16 and IAS 38/ BACEN Circulars) - Nice to have - Monitoring of changes to BACEN regulation and IFRS pronouncements with impact on financial reporting - Must have - Prepare and maintain high-quality technical accounting memos, liaising with internal stakeholders, external auditors, and regulators when necessary. - Collaborate in the preparation and quality review of prudential financial statements and IFRS consolidated reports, ensuring alignment across accounting frameworks. - Partner closely with Operational Accounting, FP&A, Risk, Legal, and Product teams to analyze the accounting impact of new transactions, changes in regulation, and business initiatives. - Serve as an internal point of reference for the accounting treatment under BACEN GAAP and IFRS, ensuring governance, consistency, and alignment with audit expectations and regulatory practices. Qualifications - Bachelor's Degree in Accounting. - Desirable: Active CRC (Brazilian CPA). - Strong knowledge and hands-on experience with COSIF, BACEN resolutions and circulars, and IFRS (particularly IFRS 9, IFRS 15, IFRS 16, IAS 1). - AI (Artificial Intelligence) Oriented - being able to work with the tool to improve tasks, automation and reports. - Technical accounting memos preparation. - Previous experience in a financial institution, Big 4 audit firm, or regulatory-focused accounting role is highly desirable. - Experience with consolidation of financial statements, financial disclosures under IFRS and/or local regulatory standards (e.g., BACEN GAAP). - Proven ability to write clear and well-structured technical documents and explain complex accounting conclusions. - Strong attention to detail, project ownership, and ability to manage concurrent deadlines and deliverables. - Fluency in Portuguese and Advanced English. Spanish is a plus. Benefits - Competitive and market-aligned salary. - Remote work — wherever you are, you’re part of the team! - Home office allowance through a monthly deposit in the RecargaPay app. - Health and dental plans with no co-pay. - Life insurance. - Flexible meal allowance (via Flash). - TotalPass / Gympass membership to take care of your health. Diversity & Inclusion at RecargaPay At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique. About the Use of Your Data By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).

Role Description As a Staff Engineer, you will play a pivotal role in delivering high-impact, scalable solutions for the company's backend infrastructure. You will tackle complex engineering challenges and take ownership of key technical projects that drive innovation and excellence across our systems. In a fast-paced, evolving environment, you will be instrumental in shaping the technical direction and ensuring the robustness and reliability of our services. - Lead technical initiatives, shaping project strategy and ensuring successful execution of medium to large-scale backend projects. - Deliver backend solutions that balance business goals, scalability, and operational efficiency. - Operate autonomously, often driving key project segments or entire projects to completion, aligning with business goals and customer needs. - Mentor and guide engineers across levels, supporting their technical development and helping grow a culture of excellence across teams. - Champion best practices in coding, system design, and architecture, contributing to continuous improvements in engineering methodologies. - Work closely with cross-functional teams to deliver seamless integrations and maintain optimal system performance. - Deliver high-quality, innovative solutions that enhance system performance, scalability, and user experience. - Support the development of junior or semi-senior engineers by fostering a culture of collaboration, continuous learning, and shared ownership. - Drive the evolution of engineering practices by introducing improvements, promoting innovation, and sharing technical expertise across teams. - Solve technical problems of the highest scope, complexity, and ambiguity. - Promote the adoption of AI-assisted engineering practices within your squad and chapter, leveraging tools for code generation, automated refactoring, test case creation, and technical documentation. - Identify opportunities where AI can enhance developer productivity, code quality, and team velocity. - Drive innovation within your team by experimenting with new approaches and boldly solving complex engineering challenges. Qualifications - Academic background oriented toward computer science, engineering, or software development disciplines. - Development using Java, Spring Boot, PostgreSQL, Kafka, and AWS. - Experience in Python is a plus. - Experience with asynchronous programming. - Track record of success in hands-on backend engineering positions. - Experience working with domains of medium to high complexity. - A solid understanding of how web and mobile applications work including security, session management, and best development practices. - Knowledge of relational database systems and Object Oriented Programming. - Knowledge of Domain-Driven Design (DDD); familiarity with microservice architecture is a plus. - Experience conducting code reviews, driving knowledge sharing, and promoting collaborative development practices. - Ability to work and thrive in a fast-paced environment, learn rapidly and master diverse web technologies and techniques. - Proven ability to design complex distributed applications built for high performance and throughput while being scalable and reliable. - Practical experience applying AI frameworks in development projects. - Demonstrated experience profiling and performance tuning Java applications, and using monitoring tools for production application monitoring. Soft Skills - Strategic thinking and problem-solving skills, with a proactive approach to identifying and addressing technical and process gaps. - High degree of autonomy and accountability, capable of leading technical decisions and driving initiatives with minimal supervision. - Proven mentorship capabilities, fostering the growth of junior and mid-level engineers through guidance, feedback, and pairing. - Strong communication skills, with the ability to effectively articulate complex technical ideas to both technical and non-technical stakeholders. - Ability to collaborate cross-functionally with different chapters like engineering, frontend, product, design, backend, and infrastructure to deliver high-impact solutions. - Comfortable navigating ambiguity and complexity, with a mindset focused on continuous learning and system improvement. - Demonstrated influence in shaping engineering practices and elevating team-wide technical standards. - Alignment with company values: ownership, excellence, adaptability, and innovation. Industry-Specific Knowledge - It is desirable for Staff Backend Engineers to have hands-on experience or practical familiarity with one or more core financial domains such as lending, payments, credit cards, open finance, fraud prevention, merchant acquiring, or investment services. - A strong understanding of key operational workflows, integration patterns, and data flows within these domains is highly valued, especially in contexts where backend decisions impact performance, compliance, or financial accuracy at scale. - Ideal candidates will have led or significantly contributed to the architecture and development of backend systems powering critical financial use cases, such as real-time transaction processing, loan management engines, payment orchestration layers, settlement and reconciliation services, or KYC/AML-compliant onboarding pipelines. - Experience designing secure, auditable, and scalable APIs for internal and external consumers is also highly desirable. - The ability to translate complex regulatory requirements (e.g., PCI-DSS, GDPR, LGPD) into resilient, compliant, and high-performing backend architectures sets exceptional candidates apart at this level.

• Lead technical initiatives, shaping project strategy and ensuring successful execution of medium to large-scale backend projects. • Deliver backend solutions that balance business goals, scalability, and operational efficiency. • Operate autonomously, often driving key project segments or entire projects to completion, aligning with business goals and customer needs. • Mentor and guide engineers across levels, supporting their technical development and helping grow a culture of excellence across teams. • Champion best practices in coding, system design, and architecture, contributing to continuous improvements in engineering methodologies. • Work closely with cross-functional teams to deliver seamless integrations and maintain optimal system performance. • Deliver high-quality, innovative solutions that enhance system performance, scalability, and user experience. • Support the development of junior or semi-senior engineers by fostering a culture of collaboration, continuous learning, and shared ownership. • Drive the evolution of engineering practices by introducing improvements, promoting innovation, and sharing technical expertise across teams. • Solve technical problems of the highest scope, complexity, and ambiguity. • Promote the adoption of AI-assisted engineering practices within your squad and chapter, leveraging tools for code generation, automated refactoring, test case creation, and technical documentation. Identify opportunities where AI can enhance developer productivity, code quality, and team velocity. • Drive innovation within your team by experimenting with new approaches and boldly solving complex engineering challenges.

• Define team objectives and project goals, ensuring alignment with the company's broader strategies and objectives. • Facilitate communication within the squad and across technical and non-technical teams, ensuring alignment and timely delivery of high-quality outcomes. • Actively participating in the recruitment, training, and development of team members, fostering a productive and growth-oriented environment. • Collaborating with other technical leaders, aligning technology strategies and contributing to the evolution of the company's technical direction. • Ensuring the technical quality of deliverables, providing guidance and support in solving complex problems. • Promote the adoption of AI-assisted engineering practices within your squad and chapter, leveraging tools for code generation, automated refactoring, test case creation, and technical documentation. Identify opportunities where AI can enhance developer productivity, code quality, and team velocity. • Guide conversations to remove blockers and encourage collaboration in your team. • Collaborate with the Product Owner to ensure technical initiatives, such as refactoring, performance tuning, and tech debt—are properly scoped and prioritized within the product backlog. • Ensure implementation of quality and observability standards, including automated testing, monitoring, alerting, and logging across the development lifecycle. • Lead retrospectives and continuous improvement efforts, driving team evolution through feedback and actionable insights. • Support team staffing decisions by matching people to tasks based on skills, priorities, and development opportunities. • Support the definition and follow-up of individual development goals aligned with team objectives and business priorities.

Role Description We are looking for a Senior/Specialist Product Manager to lead the Anti-Fraud Squad. You will be the owner of the defense of our ecosystem, acting as a technical counterpart to the Engineering and Data Science teams. Your main challenge will be to evolve our security infrastructure (Chargeback Prevention, PIX Fraud, Account Takeover), balancing strong business protection with an excellent user experience. More than managing a backlog, we are looking for someone who can dive deep into data to uncover patterns and lead the structuring of new Machine Learning and AI models. - Strategy & Discovery: Define the roadmap for fraud prevention products, proactively identifying new threats and optimization opportunities in risk engines. - Data-Driven Decision Making: Get hands-on with data. You will have autonomy to run your own SQL queries to validate hypotheses, extract performance reports, and justify project prioritization based on financial and operational data. - ML/AI Lifecycle Management: Actively participate in the design and evolution of Machine Learning models, translating complex business rules into clear requirements for Data Science and Engineering teams. - Delivery & Backlog Management: Turn strategy into clear, technical User Stories, manage a prioritized backlog, and ensure continuous value delivery with the development team. - Performance & KPIs: Closely monitor success metrics (Fraud Rate, Approval Rate, False Positives, Chargeback) and report the impact of initiatives to leadership. Qualifications - Senior Experience as PM/PO - Proven track record managing digital products with high transaction volumes. - Hands-on Analytical Profile - Solid SQL knowledge to independently run queries, join datasets, and perform analyses (no need to be a DBA, but autonomy is required). - Payments / Fraud Background - Previous experience with payment methods (Acquiring, Issuers, Schemes) and/or fraud prevention tools. - Business Acumen - Ability to balance financial risk (losses) with user friction (conversion). - Communication Skills - Ability to communicate technically with developers and data scientists, and strategically with business stakeholders. Requirements - Machine Learning / AI Experience - Experience in projects involving the development or retraining of predictive models. - Statistical Knowledge - For deeper behavioral analysis and modeling. - Languages - English and/or Spanish (technical reading and international benchmarks). Benefits - Competitive and market-aligned salary. - Remote work — wherever you are, you’re part of the team! - Home office allowance through a monthly deposit in the RecargaPay app. - Health and dental plans with no co-pay. - Life insurance. - Flexible meal allowance (via Flash). - TotalPass membership to take care of your health. - Spanish or Portuguese classes.

Role Description As a Tech Lead, you will play a strategic role, serving as a technical reference and team leader. This position requires a balance between technical expertise, people leadership, and project management. - Define team objectives and project goals, ensuring alignment with the company's broader strategies and objectives. - Facilitate communication within the squad and across technical and non-technical teams, ensuring alignment and timely delivery of high-quality outcomes. - Actively participate in the recruitment, training, and development of team members, fostering a productive and growth-oriented environment. - Collaborate with other technical leaders, aligning technology strategies and contributing to the evolution of the company's technical direction. - Ensure the technical quality of deliverables, providing guidance and support in solving complex problems. - Promote the adoption of AI-assisted engineering practices within your squad and chapter. - Guide conversations to remove blockers and encourage collaboration in your team. - Collaborate with the Product Owner to ensure technical initiatives are properly scoped and prioritized within the product backlog. - Ensure implementation of quality and observability standards across the development lifecycle. - Lead retrospectives and continuous improvement efforts, driving team evolution through feedback and actionable insights. - Support team staffing decisions by matching people to tasks based on skills, priorities, and development opportunities. - Support the definition and follow-up of individual development goals aligned with team objectives and business priorities. Qualifications - Academic background oriented toward computer science, engineering, or software development disciplines. - Proven track record of leading teams and working in product-driven companies. - Hands-on experience in backend (Java, Spring Boot, Kafka, PostgreSQL, AWS) and optionally frontend development. - Experience in Python is a plus. - Experience with asynchronous programming. - Experience working with domains of medium to high complexity. - A solid understanding of how web and mobile applications work including security, session management, and best development practices. - Knowledge of relational database systems and Object Oriented Programming. - Knowledge of Domain-Driven Design (DDD) and experience designing or maintaining microservices-based systems. - Ability to work and thrive in a fast-paced environment, learn rapidly and master diverse web and mobile technologies and techniques. - Practical experience applying AI frameworks in development projects. - Solid understanding of the software development lifecycle and experience with agile methodologies. - Advanced Problem-Solving and Decision-Making Skills. - Ability to engage both technical and non-technical stakeholders. - Competence in defining clear objectives and ensuring the team meets project milestones. - Experience guiding and leading teams to successful project deliveries within deadlines and budgets. - Ability to evaluate and prioritize technical work based on business value, system health, and long-term platform goals. - Experience conducting code reviews, driving knowledge sharing, and promoting collaborative development practices. - Experience building and developing high-performing engineering teams. - Active contribution to aligning technological strategies with broader organizational objectives. Soft Skills - Ability to clearly communicate technical concepts to both technical and non-technical stakeholders. - Strong collaboration skills to work effectively with Product Managers, Product Owners, Squad Leaders, Designers, and other teams. - Experience mentoring engineers, guiding career development, and fostering a growth-oriented, high-performance team environment. - Capacity to make thoughtful, context-aware decisions that balance technical debt, delivery speed, and business impact. - Ability to recognize team dynamics, support team members through challenges, and cultivate psychological safety. - Proactive in owning outcomes, addressing blockers, and ensuring that the squad delivers on commitments. - Comfortable working in changing environments, reprioritizing as needed, and adjusting to new business or technical demands. - Skilled in managing disagreements constructively and promoting consensus through dialogue. - Capable of influencing product and technical decisions at squad level and beyond. - Oriented toward retrospectives, feedback loops, and implementing process and culture improvements. - High degree of autonomy and accountability, with a bias for action and results-oriented problem solving. - Comfort operating at both strategic and hands-on levels. - Ability to make decisions based on accurate information, technical indicators, and impact metrics. Industry-Specific Knowledge - Practical familiarity with one or more core financial domains, such as lending, payments, credit cards, open finance, fraud prevention, merchant acquiring, or investment services. - Leverage knowledge to guide the technical implementation of backend solutions. - Collaborate with Product Managers, Designers, and business stakeholders in defining priorities and making trade-offs. - Translate domain-specific requirements into actionable tasks. - Mentor engineers to understand the business context behind their work. - Ensure the team delivers solutions that are robust, compliant, and aligned with customer needs. - Help the squad connect technical work with revenue, performance, and user experience outcomes. Benefits - Competitive and market-aligned salary. - Annual bonus. - Remote work — wherever you are, you’re part of the team! - Home office allowance through a monthly deposit in the RecargaPay app. - Health and dental plans with no co-pay. - Life insurance. - Flexible meal allowance (via Flash). - TotalPass membership to take care of your health.

• Own and evolve the product roadmap for App Home and Pix no Crédito, balancing business goals, user needs, and technical constraints. • Define, track, and communicate core KPIs (TPV, activation, conversion, cross-sell), using data to prioritize and demonstrate impact. • Drive A/B tests, feature flag rollouts, and phased releases to ensure safe, measurable delivery. • Lead continuous discovery through user research, behavioral data analysis, and rapid hypothesis validation. • Write sharp user stories, acceptance criteria, and product specs that keep engineering moving with confidence. • Collaborate with Payments, Journey and Checkout squads to ensure cohesive integrations and a seamless user experience. • Represent the product in leadership forums, communicating priorities, risks, and results with clarity and conviction. • Identify and remove cross-team dependencies, acting as the bridge between technical delivery and business strategy.