Sr. Manager Capital and Liquidity

Come Make an Impact on Millions of Brazilians!

At RecargaPay, we’re on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We’ve been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We’re looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what’s possible.

If you’re ready to do your best work, at scale, with purpose — this is your place.

Position Overview

As the Sr Manager of Regulatory Capital and Financial Risks, you will lead the strategy and execution of capital management and financial risk oversight at RecargaPay, ensuring compliance with Basel regulations and supporting sustainable business growth. You will provide strategic insights to leadership, oversee accurate financial risk reporting, and partner cross-functionally to assess risks across financial products and strategic initiatives while developing a high-performing team.

Key Responsibilities

• Lead the regulatory capital and financial risk team, ensuring effectiveness and collaboration among team members;
• Serve as the focal point in strategic discussions on capital management and planning, providing insights and analysis on regulatory capital requirements and their implications for the organization;
• Lead initiatives related to financial risk reporting, covering both current and upcoming regulatory requirements;
• Ensure the accuracy and integrity of financial risk reports, providing relevant and timely information to support strategic decision-making;
• Play a strategic role in RecargaPay’s next steps, offering leadership and guidance on regulatory capital and financial risk matters;
• Collaborate with other areas of the organization to identify growth opportunities and mitigate risks associated with strategic initiatives.

Requirements

• Deep knowledge of Basel regulations and experience in large financial institutions classified as S4;
• Experience in calculating capital requirements and managing credit risk, market risk, and operational risk in accordance with Basel guidelines;
• Hands-on knowledge and experience with the Matera system, preferably within financial institutions;
• Comprehensive knowledge of retail financial products, such as loans, financing, credit cards, among others;
• Ability to assess risks associated with these products and develop strategies to mitigate them, ensuring regulatory compliance and profitability;
• Proven experience in leadership and team management, preferably in environments related to financial risk;
• Ability to motivate, develop, and guide team members, ensuring effective execution of risk management responsibilities;
• Ability to create a collaborative work environment and promote the professional growth of team members;
• Fluent English.

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.

Industry-Specific Knowledge

You have broad, real-world experience establishing and scaling Developer Experience practices in complex, regulated environments, with a strong preference for fintech contexts; you turn developer needs into clear golden paths, lightweight standards, and supportive tooling that improve flow and quality and productivity without adding friction, and guide organizations through the cultural and operational shifts required for sustained adoption.

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).