RecargaPay

• Management operation and strategy of Acquiring and Sub-Acquiring products, ensuring efficiency, performance, and growth. • Build and maintain strategic relationships with partners within the financial ecosystem, including banks, regulators and technology providers. • Collaborate with multidisciplinary teams, such as technology, compliance, marketing and business, to ensure that solutions align with the company's strategic objectives. • Ensure that developed solutions comply with regulations and guidelines from the Central Bank of Brazil and other regulatory bodies, such as card network brands. • Analyze data and performance indicators to identify opportunities and continuous improvements, optimizing customer experience. • Create business and market analysis cases to support the financial viability and impact of proposed innovations. • Stay on top of market trends and latest innovations related to Payments products

Role Description We are seeking a Specialist to lead the strategy and optimization of acquiring and sub-acquiring products, such as Bill payments, mobile top-ups, Tap to Pay and Payment Link. This professional will play a strategic role managing performance, efficiency and market opportunities, contributing to the company’s sustainable growth. - Management operation and strategy of Acquiring and Sub-Acquiring products, ensuring efficiency, performance, and growth. - Build and maintain strategic relationships with partners within the financial ecosystem, including banks, regulators and technology providers. - Collaborate with multidisciplinary teams, such as technology, compliance, marketing and business, to ensure that solutions align with the company's strategic objectives. - Ensure that developed solutions comply with regulations and guidelines from the Central Bank of Brazil and other regulatory bodies, such as card network brands. - Analyze data and performance indicators to identify opportunities and continuous improvements, optimizing customer experience. - Create business and market analysis cases to support the financial viability and impact of proposed innovations. - Stay on top of market trends and latest innovations related to Payments products. Qualifications - Minimum of 5 years of experience in financial product management. - Experience in fintechs, acquirers or sub-acquirers. - Proven experience in card payment products. - In-depth knowledge of the payments market, including regulations, market trends, and consumer behavior. - Experience building business cases to justify innovations in financial products, focusing on efficiency and differentiation in the market. - Strong analytical, problem-solving and communication skills. - Ability to manage multiple priorities and work in a fast-paced and growing environment. - Experience with large databases and analytics. - Knowledge of P&L creation and financial analysis. - Advanced Excel skills. - Moderate SQL skills. - Intermediate proficiency in English or Spanish. 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. 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).

• Come Make an Impact on Millions of Brazilians! • You will be responsible for leading RecargaPay's regulatory accounting function across its prudential conglomerate. • Ensure the accuracy and compliance of statutory and regulatory financial reporting. • Oversee the preparation of the group's financial statements under US GAAP. • Serve as a key partner to internal stakeholders, auditors, regulators, and executive leadership. • Prepare and review statutory financial statements in accordance with BACEN, IFRS, and US GAAP requirements. • Ensure timely submission of regulatory reports, including CADOCs and SVR reports. • Partner with Compliance and Regulatory Data teams on regulatory adherence. • Manage external audits related to accounting and regulatory reporting matters. • Lead institutional relationship with BACEN and coordinate discussions with external consultants. • Own the accounting treatment for credit products, ensuring proper accounting treatment. • Research, interpret, and implement complex accounting and regulatory standards. • Evaluate the accounting implications of strategic initiatives. • Support leadership in assessing regulatory and accounting impacts of new products and initiatives.

Role Description As Regulatory Accounting Lead, you will be responsible for leading RecargaPay's regulatory accounting function across its prudential conglomerate, including the Payment Institution (IP), Credit Finance Company (SCFI), and the consolidated group. You will ensure the accuracy and compliance of statutory and regulatory financial reporting, while overseeing the preparation of the group's financial statements under US GAAP. This role requires deep expertise in accounting for regulated financial institutions, strong knowledge of BACEN regulations, and the ability to operate autonomously in a highly complex and fast-changing regulatory environment. You will serve as a key partner to internal stakeholders, auditors, regulators, and executive leadership, providing technical accounting guidance and supporting strategic business initiatives. Key Responsibilities - Financial Reporting & Regulatory Compliance - Prepare and review individual and consolidated statutory financial statements in accordance with BACEN, IFRS, and US GAAP requirements. - Ensure timely and accurate submission of regulatory reports, including CADOCs 4010, 4011, 4060, 4111, 3040, and SVR reports 9800 and 9805. - Partner with Compliance and Regulatory Data teams to validate regulatory reporting and ensure regulatory adherence. - Maintain accounting policies and procedures aligned with regulatory and financial reporting requirements. - Audit & External Stakeholder Management - Lead external audits related to accounting and regulatory reporting matters. - Defend accounting positions and technical interpretations before auditors and regulators. - Manage the institutional relationship with BACEN and coordinate technical discussions with external consultants and advisors. - Credit Products Accounting - Own the end-to-end accounting treatment for credit card, revolving credit, loan, and deposit products. - Ensure proper accounting treatment for provisions, credit portfolios, funding instruments, and structured products. - Translate transactional data from data lakes into accounting entries and support automation initiatives for accounting processes across IP and SCFI entities. - Technical Accounting & Strategic Projects - Research, interpret, and implement complex accounting and regulatory standards, including IFRS, COSIF, and BACEN regulations. - Prepare formal technical accounting memorandums to support accounting positions and business decisions. - Evaluate the accounting implications of strategic initiatives, including FIDC structures, lending products, and other business expansion projects. - Support leadership in assessing regulatory and accounting impacts of new products and corporate initiatives. Qualifications - Bachelor's degree in Accounting or related field. - Professional accounting certification and/or specialization in IFRS, COSIF, or related disciplines is a strong plus. - Solid experience of accounting experience within regulated financial institutions such as Payment Institutions, SCFIs, banks, or similar organizations. - Proven experience working within prudential conglomerates and regulatory reporting environments. - Strong knowledge of IFRS, COSIF, US GAAP, and BACEN regulations applicable to payment and credit institutions. - Experience with accounting treatment of credit products, funding instruments, deposits, and securitization structures. - Hands-on experience preparing and reviewing BACEN regulatory filings and reports. - Experience working with large datasets, data lakes, and accounting automation initiatives. - Advanced analytical skills with the ability to interpret complex accounting and regulatory requirements. - Professional proficiency in English. Soft Skills - Strong leadership and technical influence capabilities. - Excellent communication skills with the ability to engage senior stakeholders, auditors, regulators, and executive leadership. - High level of organization and ability to manage multiple priorities simultaneously. - Strong analytical and problem-solving mindset. - Proactive attitude with a continuous improvement mentality. - High degree of ownership, autonomy, and accountability. - Ability to operate effectively in fast-paced and highly regulated environments. Industry-Specific Knowledge - Deep understanding of accounting and regulatory frameworks applicable to Brazilian financial institutions. - Expertise in BACEN regulations, COSIF, IFRS, and US GAAP reporting requirements. - Strong knowledge of accounting treatment for credit cards, consumer lending, deposits, structured credit products, and FIDC structures. - Experience navigating regulatory audits, prudential conglomerate requirements, and interactions with financial regulators. - Understanding of accounting process automation and integration between financial systems and data platforms. 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. 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).

• Review, update, and ensure adherence to risk policies, guaranteeing consistency between formal documentation and practical execution. • Monitor the release of guidelines and regulations from regulatory bodies (Central Bank, CVM, ANBIMA, etc.), assessing impacts and leading compliance initiatives. • Identify regulatory gaps in risk processes and controls, proposing and tracking remediation actions. • Support the preparation of explanatory notes, Due Diligence questionnaire responses, and other risk management materials. • Review and reconcile accounting entries against asset positions, ensuring alignment between the accounting and regulatory risk perspectives. • Prepare, validate, and submit regulatory risk reports, including DDR, DRM, DRL, DLI, and DLO (Central Bank) and IRRBB. • Monitor and project key regulatory indicators such as the Basel Index, Reference Equity, and Maximum Exposure per Client, contributing to the prevention of non-compliance and the definition of action plans.

Role Description This role is responsible for ensuring adherence to risk policies and regulatory requirements within a financial institution. The analyst will act as a bridge between regulatory compliance and practical risk management, monitoring regulatory changes, identifying gaps, and leading adequacy initiatives. The position also involves preparing and submitting regulatory reports to authorities such as the Central Bank of Brazil. Key Responsibilities - Review, update, and ensure adherence to risk policies, guaranteeing consistency between formal documentation and practical execution. - Monitor the release of guidelines and regulations from regulatory bodies (Central Bank, CVM, ANBIMA, etc.), assessing impacts and leading compliance initiatives. - Identify regulatory gaps in risk processes and controls, proposing and tracking remediation actions. - Support the preparation of explanatory notes, Due Diligence questionnaire responses, and other risk management materials. - Review and reconcile accounting entries against asset positions, ensuring alignment between the accounting and regulatory risk perspectives. - Prepare, validate, and submit regulatory risk reports, including DDR, DRM, DRL, DLI, and DLO (Central Bank) and IRRBB. - Monitor and project key regulatory indicators such as the Basel Index, Reference Equity, and Maximum Exposure per Client, contributing to the prevention of non-compliance and the definition of action plans. Qualifications - Bachelor’s degree in Accounting, Economics, Business Administration, or related fields. - Experience in accounting or regulatory roles within financial or payment institutions, with hands-on work in COSIF and CADOCs. - Advanced Excel/Google Sheets and basic to intermediate SQL for reconciliation and data testing. - Working knowledge of BCB/CMN regulations applicable to Segment S4 Payment Institutions and internal controls frameworks. Soft Skills - Strong attention to detail and commitment to accuracy in documentation and reporting. - Analytical mindset with the ability to translate complex regulatory requirements into practical actions. - Clear and effective communication, both written and verbal, for committee participation and stakeholder engagement. - Proactive and autonomous, capable of identifying issues and driving solutions independently. - Ability to work cross-functionally and collaborate with different teams and departments. - Organizational skills to manage multiple regulatory deadlines and priorities simultaneously. 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. 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).

• As a Staff Automation Engineer, you will be the senior technical reference for the automation area, setting the engineering direction for complex automation initiatives. • You will define the architectural vision, lead the company's automation strategy, and disseminate healthy development and agentic development practices. • You will act as a bridge between technology and business, translating strategic objectives into scalable and secure automation solutions. • Develop technical capabilities across the team through mentoring, standards, enablement, and leadership by example. • Remain hands-on, directly contributing to complex implementations, architectural decisions, code reviews, troubleshooting, and production support for business-critical automations. • Define the automation operating model, including intake process, prioritization criteria, ownership, support model, governance forums, development standards, and lifecycle management. • Define prioritization criteria for the automation portfolio based on business impact, operational risk, effort, scalability, maintainability, and ROI. • Define observability, auditability, supportability, and incident management standards for business-critical automations. • Establish standards for logs, metrics, alerts, execution history, audit trails, runbooks, ownership, and post-incident reviews. • Define AI governance and LLMOps practices, including prompt/version management, evaluation datasets, model selection criteria, hallucination mitigation, human-in-the-loop patterns, access control, traceability, and responsible AI usage. • Design reusable automation components, templates, connectors, libraries, golden paths, and reference architectures to accelerate delivery and standardize quality. • Evaluate, select, and govern automation, RPA, workflow, and AI orchestration tools based on scalability, security, cost, vendor lock-in, maintainability, and enterprise fit. • Establish standards for highly validated automation flows, ensuring every process includes automated reconciliation mechanisms and audit trails to maintain data integrity across systems. • Define and audit development security practices and information management in the team. • Define guidelines for the responsible and effective use of AI-assisted engineering tools, promoting code quality, testing, documentation, security, and sustainable engineering practices. • Mentor and develop technical capabilities across the team through standards, enablement, and leadership by example.

- Lead the hands-on technical execution of the squad’s roadmap in partnership with the Product Owner, ensuring delivery quality, operational continuity, compliance and regulatory alignment, and sustainable technical decisions across SAP and Corporate Systems. - Own the technical governance and evolution, taking action as required , of the SAP S/4HANA landscape end to end, including release upgrades, support packs, kernel updates, system refreshes, environment strategy, Basis activities, and coordination with external partners where applicable. - Define and implement the SAP and Corporate Systems operating model, including demand intake, prioritization criteria, ownership boundaries, support model, escalation paths, governance forums, change and release management, documentation standards, and lifecycle management. - Define operational health indicators for SAP and Corporate Systems, including availability, job failures, interface errors, transport quality, incident recurrence, audit findings, SLA adherence, and business-impacting failures. - Define integration patterns between SAP and the broader corporate ecosystem, prioritizing API-first, event-driven where applicable, secure, auditable, and loosely coupled architectures. - Lead, hands-on, the adaptation of the SAP platform to fiscal, legal, and regulatory updates impacting Brazil and LATAM, including SAP Notes adoption, baseline alignment, master data impacts, and coordination with the Functional Specialist for the modules currently in scope. - Oversee and actively support SAP HANA administration practices, including system replication, backup and recovery, performance tuning, capacity planning, and incident response, ensuring that internal teams and partners follow reliable and auditable standards. - Govern the Transport Management System (STMS) and Change Request Management (ChaRM on Solution Manager 7.2 or SAP Cloud ALM), ensuring safe and traceable changes across DEV, QAS, and PRD. - Define and enforce SAP security baselines: user lifecycle, SoD principles, SSO, audit logs, and certificate management aligned with LGPD, BACEN, and SOX where applicable. - Establish master data governance practices for critical SAP objects such as Business Partner, chart of accounts, cost centers, legal entities, vendors, employees, tax data, approval hierarchies, and authorization-relevant attributes. - Operate and evolve SAP environments on cloud (RISE with SAP or AWS, depending on the landscape), including HA/DR strategy, sizing, and cost awareness. - Champion the “SAP-Minimalist” strategy, keeping the S/4HANA core clean by prioritizing API exposure and shifting non-core business logic to external automation layers. - Provide hands-on technical leadership for the integration and continuous evolution of non-SAP corporate platforms (e.g., HRIS, Legal Tech, GRC tools), ensuring a cohesive and auditable tech stack — while the Product Owner leads vendor selection, RFI/RFP, and contract governance. - Run technical rituals for the squad: design sessions, change advisory boards, post-mortems, patch planning, and tech debt grooming. - Act as the internal technical authority for SAP and Corporate Systems, reviewing solution designs, estimates, configurations, transports, integrations, security impacts, documentation, and production readiness for work delivered by internal teams or external implementation partners. - Lead troubleshooting and root-cause analysis of complex production incidents, serving as Tier 3 escalation and ensuring durable corrective actions. - Promote responsible use of AI-assisted engineering tools (Claude Code, Copilot, or similar) for scripting, log analysis, runbook generation, and documentation. - Define team objectives and contribute to technical 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 Tech Leads, aligning technology strategies and contributing to the evolution of the company's technical direction. - Guide conversations to remove blockers and encourage collaboration in your team. - 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.

• As a SAP Basis & Platform Specialist, you will be an internal technical reference for the SAP platform, owning the hands-on operation, reliability, evolution, and technical governance of the SAP S/4HANA landscape. • Lead hands-on technical activities for SAP S/4HANA release upgrades, including sandbox, development, quality, and pre-production cycles, SUM execution, SAP Notes lifecycle, technical regression support, cutover planning, hypercare, rollback readiness, and post-upgrade stabilization. • Assess the current SAP technical landscape, identifying platform risks, undocumented configurations, upgrade dependencies, monitoring gaps, security exposures, integration dependencies, technical debt, partner dependencies, and opportunities for automation or standardization. • Help define the SAP platform operating model, including support levels, escalation paths, incident ownership, monitoring standards, transport governance, release participation, environment strategy, documentation requirements, partner handoffs, and audit evidence practices. • Provide hands-on SAP platform support for regulatory and fiscal changes impacting Brazil, including Reforma Tributária, SAP Notes adoption, version baseline alignment, technical impact analysis, environment readiness, transport coordination, and support to functional changes led by FI/CO, Tax, Product, and external partners. • Operate and continuously improve the SAP S/4HANA landscape end to end, covering installations, support packages, kernel updates, system refreshes, client copies, job monitoring, interface monitoring, technical housekeeping, capacity reviews, and routine Basis activities. • Administer and govern SAP HANA operational practices, including HANA System Replication, backup and recovery, performance monitoring, query and memory analysis, capacity planning, patch coordination, and incident response. • Govern transport and change management activities through STMS and ChaRM / SAP Cloud ALM, ensuring traceability, segregation of duties, emergency-change control, approval evidence, release coordination, and safe promotion across DEV, QAS, and PRD. • Apply and support SAP platform security baselines in partnership with Security and GRC stakeholders, including technical user lifecycle, SSO, certificate management, audit logs, role transport controls, emergency access support, and evidence generation aligned with LGPD, BACEN, and SOX where applicable.

- Analyze Voice of Customer inputs from NPS, CSAT, CES, exploratory research, customer support interactions, critical channels, bugs, and Help Center access data to identify opportunities for experience and product maturity improvements. - Conduct experience analyses and diagnostics through quantitative and qualitative discovery to identify pain points, friction, and relevant opportunities. - Consolidate and structure actionable insights related to customer journeys, features, and critical experience flows. - Identify root causes of recurring problems and their impacts on customer experience, operations, and business metrics. - Lead end-to-end journey improvement initiatives by coordinating Product, Engineering, Customer Support, Operations, and other stakeholders through delivery and impact validation. - Transform Voice of Customer insights into prioritized initiatives with action plans, ownership definition, follow-up, and results measurement. - Act as the owner of experience evolution within the assigned journeys, ensuring continuous monitoring of KPIs and iterative improvement of implemented solutions. - Structure rationale around impact, effort, risk, and expected value to support data-driven decision-making. - Map risks, dependencies, and cross-squad impacts, promoting executive alignment to unblock priority initiatives. - Ensure follow-up and governance of the experience initiatives roadmap, providing visibility into status, expected impact, and result evolution. - Actively participate in squad rituals (planning sessions, working sessions, and retrospectives), representing the customer perspective in product decisions. - Influence and drive backlog prioritization based on experience and business impact. - Translate analyses and feedback into clear hypotheses, strategic recommendations, and actionable guidance for squads. - Connect Product, CX Product, Customer Support, Help Design, and Operations to ensure integrated journey evolution. - Monitor behavioral metrics that impact CX, identifying deviations and driving corrective actions to reduce impacts on churn, TPV, contacts, CSAT, and other strategic indicators. - Monitor the impact of implemented improvements using experience metrics, self-service adoption, operational efficiency, and business KPIs. - Ensure that journey learnings are translated into structured improvements in self-service, operational communication, and customer experience. - Understand bugs and operational failures as part of the customer experience, tracking their evolution with squads until effective improvement validation. - Improvement in NPS, CSAT, CES, and other experience metrics within the journeys directly supported. - Reduction in effort, contact rate, customer contacts, and recurrence in prioritized flows. - Increase in self-service retention and reduction of operational dependency. - Positive impact on business metrics such as churn, TPV, DC, retention, and operational efficiency. - Problems solved before becoming critical bottlenecks. - Meaningful participation in squad decisions. - Ability to generate strategic direction based on Voice of Customer insights. - Effective influence over prioritization of improvements and journey evolution. - Active collaboration in sharing learnings, standardizing practices, and evolving frameworks.