Assistente Financeiro Pleno [Produtos de Crédito]

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for an Assistente Financeiro Pleno [Produtos de Crédito] based in Brazil. This role is central to the financial operations of a growing credit business, ensuring that transactions, repayments, reconciliations, and partner settlements are accurate and controlled. You will manage high-volume financial routines while investigating discrepancies and preventing operational issues from becoming financial losses. Beyond day-to-day execution, you will help build documented processes, controls, reporting, and automation for a developing credit operation. The position offers close exposure to Product, Technology, Operations, and Accounting teams, with direct interaction with senior leadership. You will have the opportunity to influence how financial processes are designed, improved, and scaled. The environment values autonomy, analytical thinking, continuous improvement, and a strong sense of ownership. It is particularly suited to someone who combines numerical rigor with curiosity and a desire to replace repetitive manual work with smarter processes.

Reconcile payment and accounting files against the contract portfolio, comparing amounts due, amounts deducted, and amounts actually transferred. Identify, classify, investigate, and resolve discrepancies such as partial deductions, missed installments, unpaid transfers, suspended deductions, termination-related amounts, and associated charges. Maintain controls over outstanding items, coordinate their resolution with customers and partners, and ensure issues are closed within the relevant accounting period. Calculate, validate, and monitor amounts payable to partners and other counterparties according to contractual rules. Manage the billing cycle for services and consultations, ensuring accurate and timely processing. Monitor mismatches between collection and payment timelines and proactively flag potential cash exposure. Track portfolio delinquency, guarantee activation, and other critical deadlines. Design, document, and implement processes and controls for reconciliation, settlements, billing, and guarantee management. Define reporting and dashboard requirements in partnership with Product and Technology teams, supporting system testing and validation of new processes. Identify recurring manual activities and recommend automation opportunities, prioritizing initiatives based on risk and transaction volume. Provide support for broader financial routines, including accounts payable and receivable, bank reconciliation, and monthly closing activities when required. Requirements Bachelor's degree in Business Administration, Accounting, Economics, Engineering, or a related field. Professional experience with high-volume reconciliation processes, including return files, financial movements, or transaction data. Basic understanding of accounting principles and financial operations. Advanced proficiency in Excel and Google Sheets, including functions such as VLOOKUP, INDEX/MATCH, SUMIFS, pivot tables, and data manipulation. Comfortable working with data, including CSV files and fixed-position file layouts. Familiarity with Google Drive and Notion. SQL knowledge and experience consuming APIs are considered a plus. Previous experience with payroll-deducted loans, financial institutions, securitization companies, FIDCs, or credit fintechs is desirable, particularly in back-office operations, settlement, portfolio assignment, or guarantee management. Experience documenting processes through flowcharts, standard operating procedures, or control matrices is an advantage. Strong numerical accuracy and attention to detail, with the discipline to investigate and explain discrepancies rather than simply adjusting them. A constructive and analytical mindset, with the ability to challenge data, identify recurring inconsistencies, and investigate root causes. Process-oriented thinking, with an interest in transforming recurring routines into scalable controls and automated workflows. Strong autonomy and organization, particularly when managing deadline-driven activities without constant supervision. Benefits Monthly compensation of R$ 3,444.00 . Caju flexible benefits card: R$ 1,145.50. Keiken health allowance: R$ 220.00 dedicated to physical and mental well-being, including activities such as fitness and psychology. Access to Wellhub for physical and mental wellness. Unimed health insurance with no co-payment . Remote-first work model, allowing you to work from wherever you prefer. Flexible dress code. Semi-flexible working hours. Birthday Day Off during your birthday month. An autonomous environment focused on continuous learning, technical excellence, and process improvement.

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