Financial Risk Analyst

At PPRO, our mission is to simplify access to local payment methods and our vision is to enable the sale of goods and services to anyone in the world using their preferred way to pay. We empower partners such as Ant Group, PayPal and Stripe to access new markets, connect with more customers, and accelerate their growth.

Our strength lies in our diverse global team with 50+ nationalities and 10+ international locations - all united around one goal – to deliver the best possible products and services to our partners and customers. While our company mission is to keep innovating global commerce, our internal mission is to #chooseaction, #beopen, #thinkcustomer, #gofurther and #wintogether

The Purpose:

We are seeking a proactive and detail-oriented Junior Financial Risk Analyst to join our growing team in São Paulo. This is a permanent, hybrid position, requiring three days a week in our São Paulo office. In this role, you will play a crucial part in protecting PPRO and our clients from financial risks and ensuring the integrity of our payment ecosystem. Your core focus will be on working on the disputes raised by the payment scheme providers, identifying and mitigating fraudulent activities, collaborating across departments to address potential threats, and maintaining the operational and financial health of PPRO's business. Disputes comprehend the entire lifecycle: from the moment that the consumer opens a complaint with the payment method (alert), to the actual financial movement (chargeback) up until challenging the arbitration

• Monitoring and Analysis: Daily monitoring of chargebacks, fraud alerts, and disputes from payment methods across PPRO's global portfolio of payment methods, identifying trends and potential areas of concern.
• Cross-functional Collaboration: Work closely with internal teams, including Account Management, Product, Treasury, Customer Funds and Customer Support to implement effective risk mitigation measures
• Data Analysis and Reporting: Utilize data analysis tools and techniques to generate reports and dashboards on risk trends, providing actionable intelligence to management and stakeholders.
• Process Improvement: Continuously assess and enhance risk management processes and controls, identifying opportunities to strengthen our defenses and promote a secure business environment for PPRO and its clients

• A strong interest in financial risk, payments, and fraud prevention.
• Excellent analytical and problem-solving skills.
• Ability to communicate effectively with various stakeholders.
• Proactive and eager to learn approach.
• While not mandatory, previous experience in financial risk, fraud, or payments operations is a plus.
• English proficiency, enabling effective communication in our global environment.
• Familiarity with data management tools such as SQL, Python, Google BigQuery and Looker Studio

• Hybrid working - We offer a hybrid structure with a 3 days / week on site expectation, so you can strike the balance between office and home working. In addition to our 30-day holiday allowance, we also provide a work from abroad policy, enabling employees to work remotely for up to another 30 days per year.
• Learning and Development - We offer a 3,000 BRL annual budget to support your professional growth—because investing in your development benefits us all. In addition, we provide leadership cafés, on-the-job training, and other opportunities to help you grow your skills and thrive in your role.
• Insurance - Because better safe than sorry - we want our employees to benefit from various insurances including life insurance, health insurance + dental plan and travel insurance.
• Meal vouchers - BRL 54/ day - Enjoy a moment of conviviality and a good and balanced meal thanks to your meal vouchers. You will also have the choice between meal allowance, supermarket voucher or both (splitting the total value in two)
• Enhance Family Leave - We understand the importance of family - that's why we offer enhanced family leave to support you during key life moments.
• Transportation Voucher - we will cover your costs of commute
• Gym membership - PPRO helps contribute towardsthe costs of your gym membership, supporting your physical fitness journey while easing the burden on your wallet
• New Value (Deals & Coupon Platform) - Get attractive discounts to restaurants, stores and events
• Mental Health Platform - We've teamed up with a top well-being platform to provide one-on-one therapy, chat therapy, therapist-led courses, guided meditations, and more.
• SESC - private institution that makes available Education, Health, Culture and Recreational programs and events and provides Social Assistance to our employees and their dependents.

• We get things done: We are courageous; we take ownership, make decisions and get things done.
• We act with trust and integrity: We listen first and challenge respectfully. We seek out and leverage diverse perspectives. We welcome and offer honest and open feedback, always assuming positive intent
• We put the customer first: We are laser focused on delivering outstanding outcomes for our customers. We put the customer at the heart of what we do.
• We make things better: We boldly explore new ideas and have an unwavering commitment to continuous improvement.
• We work as a team: We collaborate closely and value team success over individual achievement.