Job Description

Senior Business Analyst (Reconciliation)

Location: São Paulo, Brazil (office based, full time, permanent)

Take a look inside our São Paulo office

Team description

SumUp's Acquiring Operations team keeps Brazil's complex payments engine running, where every card swipe, instalment and deferred settlement has to reconcile perfectly across processors, card schemes and the Central Bank. As a full acquirer that processes a high volume of instalment transactions, SumUp relies on this team to catch the gaps between what's expected and what actually lands, before they turn into financial or regulatory risk. This role takes full ownership of reconciliation controls across clearing, settlement, receivables and interchange, working directly with providers like Cielo and Stone and the major card schemes to solve some of the trickiest puzzles in Brazilian payments.

What you'll do

• Own reconciliation controls across clearing, settlement, issuer receivables and interchange, spotting and resolving failures before they escalate
• Investigate discrepancies with processors and card schemes, including complex instalment and deferred settlement flows, and drive fixes through to resolution
• Validate and structure settlement and interchange data so Funding, Accounting and Treasury can rely on it
• Prepare and validate regulatory reports such as CADOC 3040, plus scheme reports including GOC and QMR
• Coordinate corrective actions with processors and card schemes to prevent recurring issues

You'll be great for this role if

• Strong analytical skills, with a track record of spotting patterns and root causes in complex data sets.
• Proficiency with SQL and data analysis tools, used to validate and reconcile financial information at scale.
• Experience managing stakeholders across finance, operations and payment providers while juggling multiple deadlines.
• Comfort navigating Brazilian payment flows, including installments, clearing and settlement, or a strong motivation to learn them quickly.
• Fluency in English and Portuguese, with the written clarity needed to document processes and challenge discrepancies with providers.

Why you should join SumUp

🌎 Opportunity to work with a truly global, multicultural team from our dynamic São Paulo hub in the heart of the city. This involves an office-first setup

🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced

🚀 Enrolment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success

📚 A dedicated annual L&D budget of R$ 10,000 for education, certifications, and conferences

🏖 Generous time off: enjoy 22 working days of paid leave, plus public holidays and special leave days

💪 Stay fit: Wellhub membership included and gym at the office

💼 Financial wellness: SumUp contributes to your private retirement plan with Santander

🧠 Mental well-being: access to Zenklub for therapy, coaching, and emotional wellness resources

About SumUp

Be empowered to do more that matters.

At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 39 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships.

Our commitment to small businesses is reflected in our diverse team of over 4,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify.

SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Discover more about our culture and opportunities on our careers website, and follow our journey on LinkedIn, Instagram, and TikTok.

Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.