Mid-level Accounting Analyst – Credit, Cards, CDC, Loans

Role Overview

• Execute and review the monthly accounting close for credit portfolios (cards, CDC, loans);
• Analyze revenue recognition (interest, fees, interchange), expenses and financial charges;
• Monitor and analyze provisions for expected credit losses (ECL), in accordance with current regulations;
• Perform accounting reconciliations (principal, charges, revenues, reversals and chargebacks);
• Assess accounting impacts of renegotiations, settlements, installment arrangements and write-offs;
• Support and/or prepare regulatory reports to the Central Bank (CADOCs);
• Support the preparation of financial statements;
• Assist internal and external audits;
• Identify and propose process improvements and automations.

Requirements

• Bachelor’s degree in Accounting (active CRC registration);
• 3–5 years of experience in accounting for financial institutions;
• Experience with credit products (cards, CDC, loans, financing);
• Knowledge of Central Bank regulations (including CMN Resolution 4.966/21);
• Knowledge of applicable CPCs and IFRS;
• Intermediate to advanced Excel skills;
• Experience with card processing systems;
• Experience with accounting systems;
• Practical knowledge of IFRS 9 / expected credit losses;
• Participation in process improvement or systems implementation projects.

Benefits

• Medical and Dental Insurance: Comprehensive coverage for quality medical and dental care.
• Meal/Food Allowance
• Life Insurance
• Childcare Assistance: Financial support to help balance work and family responsibilities.
• Support for Employees with a Child with Disabilities: Company commitment to the well-being and development of employees and their families.
• Extended Maternity and Paternity Leave: Full support for employees during important life moments.
• Profit Sharing (PLR): Financial recognition for your effort and contribution to the company’s success.
• Results Participation Program: Ongoing incentives to achieve individual and team goals.
• Education Support: Assistance for academic and professional development.
• Discount Partnerships: Exclusive discounts on a variety of products and services through strategic partners.
• Additional Day Off: Flexibility with one paid day off to recharge and balance responsibilities.
• TotalPass – Health Incentive: Access to a broad network of physical activities to promote an active, healthy lifestyle.
• Workplace Exercise Sessions: Promoting well-being and motivation among our employees.