Sr. Capital and Liquidity Management Analyst

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

This role is responsible for ensuring adherence to risk policies and regulatory requirements within a financial institution. The analyst will act as a bridge between regulatory compliance and practical risk management, monitoring regulatory changes, identifying gaps, and leading adequacy initiatives. The position also involves preparing and submitting regulatory reports to authorities such as the Central Bank of Brazil

Key Responsibilities

• Review, update, and ensure adherence to risk policies, guaranteeing consistency between formal documentation and practical execution.
• Monitor the release of guidelines and regulations from regulatory bodies (Central Bank, CVM, ANBIMA, etc.), assessing impacts and leading compliance initiatives.
• Identify regulatory gaps in risk processes and controls, proposing and tracking remediation actions.
• Support the preparation of explanatory notes, Due Diligence questionnaire responses, and other risk management materials.
• Review and reconcile accounting entries against asset positions, ensuring alignment between the accounting and regulatory risk perspectives.
• Prepare, validate, and submit regulatory risk reports, including DDR, DRM, DRL, DLI, and DLO (Central Bank) and IRRBB.
• Monitor and project key regulatory indicators such as the Basel Index, Reference Equity, and Maximum Exposure per Client, contributing to the prevention of non-compliance and the definition of action plans.

Requirements

• Bachelor’s degree in Accounting, Economics, Business Administration, or related fields.
• Experience in accounting or regulatory roles within financial or payment institutions, with hands-on work in COSIF and CADOCs.
• Advanced Excel/Google Sheets and basic to intermediate SQL for reconciliation and data testing.
• Working knowledge of BCB/CMN reg