Strategic Payments Operations Specialist

EBANX is one of the most successful fintechs to emerge from Latin America, building a global payments company that connects some of the world's largest digital businesses with customers across 21 fast-growing markets. As a Strategic Payments Operations Specialist in the Operations team, you will connect transactional data, commercial agreements, and payment ecosystem expertise to drive decisions that improve payment performance, processing costs, profitability, and customer experience.

Responsibilities

Analyze payment partner performance, identifying opportunities to improve approval rates, processing costs, availability, and operational efficiency; Evaluate payment processing cost structures, including MDR, interchange, card scheme fees, acquirer markup, prepayment (anticipation), and additional services; Develop profitability analyses, financial models, and business scenarios to support pricing strategies, commercial negotiations, volume allocation, and partner selection; Manage relationships with acquirers, card schemes, banks, and other payment partners, leading technical and commercial discussions and ensuring agreed commitments are delivered; Investigate discrepancies between contractual terms, partner charges, and transactional data, collaborating with internal teams to identify root causes and implement solutions; Support payment routing and volume migration decisions, balancing approval rates, total processing costs, technical capabilities, and partners' operational capacity; Monitor regulatory developments, card scheme rules, pricing changes, and market trends, translating them into business impacts and actionable recommendations; Collaborate with Product, Technology, Performance, Finance, Treasury, Operations, Commercial, Legal, and Compliance to implement improvements across the payments ecosystem; Prepare data-driven analyses and executive communications, clearly presenting findings, financial impacts, risks, and recommended actions; Take ownership of cross-functional initiatives, managing priorities, dependencies, and stakeholders from initial diagnosis through implementation and validation of results

Requirements

At least 3 years of experience in the payments industry, including acquirers, PSPs, payment facilitators, card schemes, digital wallets, banks, or fintechs; Solid understanding of the card payments ecosystem, including interchange, scheme fees, MDR, and the roles of acquirers, issuers, and card networks; Strong analytical and financial skills, with experience working with large datasets, developing P&L and profitability analyses, and translating insights into actionable business recommendations; Advanced Excel skills, including financial modeling, data analysis, and scenario simulations; Hands-on experience leveraging AI tools to improve analytical efficiency and operational workflows, with the ability to critically assess and validate outputs; Advanced English proficiency, both written and spoken; Ability to thrive in a fast-paced environment and adapt quickly to changes in the Brazilian payments market and regulatory landscape, including Central Bank regulations and card scheme rules; Strong communication, critical thinking, problem-solving, and stakeholder management skills, with the ability to influence decisions and collaborate across multiple teams and external partners; Autonomy and ownership to drive initiatives from analysis through execution, ensuring measurable business impact; Based in São Paulo or willing to work from São Paulo

Nice to have

Experience in business or commercial roles, particularly in pricing, negotiations, and payment partner management; Knowledge of the Brazilian payments ecosystem, including Pix, Alternative Payment Methods (APMs), and digital wallets; Familiarity with MCC, interchange optimization, FX, and prepayment (anticipation) dynamics; Experience identifying and resolving billing discrepancies in collaboration with billing, finance, or reconciliation teams; Strong interest in payments industry trends, market developments, and building relationships across the payments ecosystem

Benefits

Performance Bonus: Annual bonus program based on company results; Meal Allowance: Monthly allowance to support your meals; EBANX Education: Financial assistance for undergraduate, graduate, and MBA programs; EBANX Skills: Dedicated budget for courses, certifications, and workshops; Language Classes: Language classes to support personal and professional development; Health & Well-being: Medical and dental plans with extensive coverage, including support for dependents and wellness programs; Flexible Work Culture: Semi-flexible hours, additional day off on your birthday, and year-end break; Well-being Program: Access to activities and resources that promote physical and mental health