Job Description

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.

This role acts as a key technical accounting authority, ensuring accurate and compliant financial reporting across BACEN (COSIF) and IFRS frameworks. It exists to interpret complex accounting standards, anticipate regulatory impacts, and translate them into clear guidance that supports business decisions and audit readiness.

With a high level of autonomy, the position operates at the intersection of accounting, regulation, and strategy, influencing areas such as financial instruments, revenue recognition, and regulatory reporting. It plays a critical role in maintaining governance, aligning stakeholders (Finance, Risk, Legal, Product), and ensuring consistency and transparency in financial statements for both internal and external audiences.

Key Responsibilities

• Support the financial reporting and technical accounting function for entities under BACEN and IFRS frameworks. Lead technical research and analysis of complex accounting matters under BACEN (COSIF and Circulars) and IFRS framework, including:
• Financial instruments (including classification, measurement, and expected credit loss under IFRS 9 / Res. 4.966) - Must have
• Consolidation of financial Statements, financial disclosures under IFRS and/or local regulatory standards (e.g., BACEN GAAP) - Nice to have
• Related party transactions and connected lending rules - Must have
• Revenue recognition and expenses under IFRS 15 and BACEN prudential treatment - Must have
• Software capitalization (IAS 16 and IAS 38/ BACEN Circulars) - Nice to have
• Monitoring of changes to BACEN regulation and IFRS pronouncements with impact on financial reporting - Must have
• Desirable: Knowledge of the financial market environment, including vehicles such as Credit Rights Investment Funds (FIDCs), Securitization Companies, and CADOCs.
• Prepare and maintain high-quality technical accounting memos, liaising with internal stakeholders, external auditors, and regulators when necessary. Collaborate in the preparation and quality review of prudential financial statements and IFRS consolidated reports, ensuring alignment across accounting frameworks.
• Partner closely with Operational Accounting, FP&A, Risk, Legal, and Product teams to analyze the accounting impact of new transactions, changes in regulation, and business initiatives.
• Serve as an internal point of reference for the accounting treatment under BACEN GAAP and IFRS, ensuring governance, consistency, and alignment with audit expectations and regulatory practices.

Requirements

• Bachelor's Degree in Accounting.
• Desirable: Active CRC (Brazilian CPA)
• Strong knowledge and hands-on experience with COSIF, BACEN resolutions and circulars, and IFRS (particularly IFRS 9, IFRS 15, IFRS 16, IAS 1 (to be suspended by IFRS 18).
• AI (Artificial Intelligence) Oriented - being able to work with the tool to improve tasks, automation and reports.
• Technical accounting memos preparation
• Previous experience in a financial institution, Big 4 audit firm, or regulatory-focused accounting role is highly desirable.
• Experience with consolidation of financial statements, financial disclosures under IFRS and/or local regulatory standards (e.g., BACEN GAAP).
• Proven ability to write clear and well-structured technical documents and explain complex accounting conclusions.
• Strong attention to detail, project ownership, and ability to manage concurrent deadlines and deliverables.
• Fluency in Portuguese and Advanced English. Spanish is a plus.

Industry-Specific Knowledge

You have broad, real-world experience establishing and scaling Developer Experience practices in complex, regulated environments, with a strong preference for fintech contexts; you turn developer needs into clear golden paths, lightweight standards, and supportive tooling that improve flow and quality and productivity without adding friction, and guide organizations through the cultural and operational shifts required for sustained adoption.

Benefits

• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass / Gympass membership to take care of your health.

Diversity & Inclusion at RecargaPay

At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the Use of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).