Gerente de planejamento financeiro | cartões

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Gerente de Planejamento Financeiro | Cartões based in Brazil.
As Gerente de Planejamento Financeiro, you will lead the financial planning agenda for three strategic business verticals: Cards, Banking, and Insurance. You will operate at the intersection of rigorous financial analysis, business strategy, and executive stakeholder management. The role will be responsible for long-term planning, budgeting, forecasting, performance management, and efficient capital allocation. You will act as a strategic Financial Business Partner, supporting decisions around profitability, new products, portfolio performance, and business viability. A deep understanding of credit card economics will be essential to building accurate and defensible P&L perspectives. You will also lead and develop a team while driving automation, data, and AI initiatives to increase analytical efficiency.
AccountabilitiesAct as a strategic Financial Business Partner for the Cards, Banking, and Insurance businesses, supporting data-driven decision-making and evaluating the economic feasibility of new products and features.
Lead monthly, annual, and long-term financial planning cycles, establishing analytical standards, operating cadences, and continuous reforecasting processes.
Manage business performance through Real vs. Budget vs. Forecast analyses, business-unit closing processes, and executive reporting for senior leadership, directors, and board-level stakeholders.
Build, parameterize, and continuously improve financial projection models, with strong focus on credit card unit economics.
Analyze key card profitability drivers, including product P&L, interchange revenue, net interest income (NII), funding costs, delinquency, credit provisions, and cohort/vintage performance.
Partner closely with Credit and Collections teams to reconcile risk and revenue perspectives and establish a consistent, robust view of product P&L.
Drive automation, data utilization, and practical applications of AI to improve team efficiency and increase capacity for high-value strategic analysis.
Lead, coach, and develop the direct team, strengthening technical capabilities and raising the quality of financial analysis and business partnership.
RequirementsStrong professional experience in FP&A or Strategic Finance within banks, fintechs, credit card issuers, or