Credit Portfolio Treasury Manager
Accounting & Finance
São Paulo, SP, Brazil
Credit Portfolio Treasury Manager
Sao Paulo - Brazil
Operation & Strategy - Fintech RegularAbout the company
DiDi Global Inc. is the world’s leading mobility technology platform. It offers a wide range of app-based services across markets including Asia-Pacific, Latin America and Africa, including ride hailing, taxi hailing, chauffeur, hitch and other forms of shared mobility as well as auto solutions, food delivery, intra-city freight, and financial services.
DiDi provides car owners, drivers, and delivery partners with flexible work and income opportunities. It is committed to collaborating with policymakers, the taxi industry, the automobile industry and the communities to solve the world’s transportation, environmental and employment challenges through the use of AI technology and localized smart transportation innovations. DiDi strives to create better life experiences and greater social value, by building a safe, inclusive and sustainable transportation and local services ecosystem for cities of the future.
For more information, please visit: www.didiglobal.com/news
#LI-HybridAbout the team/role
99Pay's credit business is growing fast, with a large volume of daily transactions and a portfolio spread across different credit products and funding structures. The Credit Portfolio Treasury Manager owns the daily control of this portfolio and of the money that funds it: cash flows and capital structure of the credit funds, liquidity management, settlement and reconciliation between operational, accounting and banking records, and regulatory reporting. The role works with local and international teams across product, engineering, legal, compliance, accounting and finance to design flows, controls and procedures that make the operation more efficient and less risky, and manages the relationship with banks, fund administrators and other partners. It is a chance to build the treasury of a credit operation at scale, reporting directly to the Director of Treasury and Customer Fund Management at 99Pay.
In this role, you'll be...
- Owning the daily cash position and liquidity of the credit operation: funding of disbursements, repayment and settlement accounts, cash forecast, contingency plan and real-time balance alarms.
- Managing the credit funds and the lending entity from the treasury side: capital structure, assignment of loans, returns and reserves, and the relationship with banks, fund administrators, custodians and servicers.
- Running and improving the daily reconciliations: transactional (disbursement, assignment, repayment, renegotiation), accounting (every transaction correctly booked) and fund flow (bank movements matched to operational figures), tracking KPIs and fixing root causes.
- Designing the fund and information flows of new credit products and features (instalment plans, Pix credit, renegotiation, insurance, coupons and refunds), and writing the business requirements for product and engineering teams.
- Preparing the treasury for a new financial institution: term deposit operation, deposit guarantee fund and reserve requirement processes, back-office structure, procedures and SOPs.
- Leading the monthly closing of the lending business and the monthly liquidity and management reports for local and global leadership.
- Preparing regulatory reports and answering the Central Bank, auditors and due diligences.
- Defining and maintaining treasury policies, controls and SOPs, and overseeing the accounting integration as the core systems are replaced.
- Working daily with product, engineering, risk, legal, compliance, accounting and finance teams in Brazil and abroad.
- Leading a team of two analysts.
We're eager to be in touch because you have...
- 6+ years in treasury, credit operations or fund management, at least 3 of them in a fintech, bank, lender or fund administrator.
- Hands-on experience with credit funds (FIDC): capital structure, assignment of receivables, fund flows and the daily relationship with administrators, custodians and servicers.
- Strong background in reconciliation and accounting of financial transactions, including root-cause analysis and month-end closing.
- Knowledge of Central Bank regulation for payment institutions and credit entities (SCD, SCFI) and of their reporting obligations.
- Comfort analysing large transaction volumes;
- Experience working with product and engineering teams on financial systems and flows.
- Bachelor's degree in finance, economics, accounting, engineering or business; a master's degree is a plus.
- Fluent English, used daily with international teams.
- People management experience and the ability to run several projects at once.
- Hands-on, detail-oriented and results-driven, with a strong sense of control and asset protection.
You'll love working at DiDi because...
We create user value
We strive to always create valuable experiences for our users in everything we do. Our focus is to always innovate new experiences that are safe, pleasant and efficient.
We are data-driven
We are strong believers in making informed decisions, that’s why we are data-driven. We can better navigate the business landscape strategically by analyzing valuable metrics.
Win-win Collaboration
Success is a team sport. When we work to help our partners and colleagues win, we win, too. While keeping everyone's best interest at heart, we communicate with candor and execute with excellence in all we do.
We believe in integrity
Integrity is at the very core of our business. We are people who always want to do the right thing. Our intentions are sincere, we speak our minds and listen to each other.
Growth
We always strive to do better. That means venturing beyond our comfort zones, learning from our mistakes, and helping each other grow.
Diversity and Inclusion
Diversity is one of our biggest strengths. Our differences are what make us distinct. We respect each other and believe in equal opportunities for all.
Diversity & Inclusion
Diversity is not a vision of the future or something we wish to have one day, it is a non-negotiable value of who we are.
We practice inclusion, plurality, and respect. And we count on the governance of the Diversity Committee, which works together with HR, leadership and identity groups - 99Adapta, 99Afro, 99Cores, 99Mulheres, and 99Mamães. This part of our journey has been written, there remains a long road before us.
We reinforce that this position is open to everyone, including pregnant people and people with disabilities (PwD).