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RecargaPay seeks a Capital and Liquidity Management Specialist to serve as the technical lead for regulatory capital management and risk parametrization. This is a key role ensuring full compliance with prudential norms and accurate regulatory reporting to Brazil's Central Bank (Bacen).
Key Responsibilities:
- Own technical accountability for regulatory reports to Bacen (DLO, DDR, DLI, DRM, DRL), ensuring timely delivery, quality, and consistency across accounting, financial, management, and regulatory data.
- Manage COSIF account parametrization and maintenance in risk systems, ensuring correct classification of exposures (credit, market, operational), appropriate Risk Weighting Factors (FPRs), and adherence to CMN Resolutions 4.955 and 4.966.
- Calculate and monitor capital requirements across credit risk (RWACPAD), market risk (RWAMPAD), and operational risk (RWAOPAD); track Basel ratios, minimum capital, buffers, and leverage ratios to anticipate capital and liquidity pressures.
- Monitor regulatory changes from CMN, BCB, CVM, and Federal Revenue Authority; assess impacts on capital, liquidity, and processes; lead implementation of required adjustments.
- Serve as technical reference for the team: mentor analysts, disseminate calculation and reporting best practices, and drive automation and control of regulatory processes.
The role requires deep expertise in prudential regulation, strong analytical capability, and the ability to communicate complex risk topics to executive committees and senior leadership. You will collaborate closely with Accounting, Treasury, Technology, Compliance, and Audit teams.
Requirements:
- Bachelor's degree in Economics, Administration, Engineering, Statistics, Mathematics, Finance, or related fields.
- Solid experience (7+ years) in capital risk, regulatory, and/or liquidity management at a financial institution, payment institution, or regulated fintech.
- Mastery of Bacen/CMN prudential regulation: RWA calculation (credit, market, operational), Basel Index, buffers, and leverage ratios.
- Experience with capital plans, stress testing, and support for Bacen inspections and audits. Ability to build executive presentations and risk indicators for committees and senior leadership.
- Differentiators: postgraduate degree in Risk, Banking Regulation, or Finance; knowledge of Matera Risk system; Python and SQL for automating regulatory calculations and reports.
