Senior Product Analyst - Personal Credit Accounting Governance - Campinas/SP

About Us

We are proudly Brazilian and popular, always digital and in-person whenever the client wants. We innovate to provide access to financial services and offer an experience that encourages people to overcome today. Our reason for existing is clear: to fight for a banking experience that welcomes and encourages all Brazilians. And we do this with availability, warmth, and agility.

Our Culture, The Agi Way

Live for the Customer
Our main asset is our customers. The company only exists if it can solve their pain points, delivering products and experiences better than available alternatives in the market.

Act like an Entrepreneur
How many companies do you know that demand an owner's spirit from their team? Many, right? But how many of them enable people to truly be owners? And this isn't about giving that opportunity to a few, but about making it possible for everyone. At Agibank, it's like this, so here you act as an owner because you already are one or because you dream of being the next.

Grow on the Journey
Our culture is strong. So, it only makes sense to be an entrepreneur here if you identify deeply with it. If you are a results-obsessed person, terrified of your comfort zone, constantly seeking knowledge, prefer things said straight to the point, and want to be surrounded by people who are also like that, you will really enjoy your journey here.

Work Model
On-site • Campinas/SP

Responsible for designing and evolving solutions that connect customer needs with the bank's strategy. It operates end-to-end throughout the product lifecycle, including credit, checking accounts, investments, payment methods, and channels. By combining technology, data, and business vision, it delivers complete, simple, and secure journeys. It is in this directorate that the present is consolidated and customers' financial future takes shape.

• Define and parameterize interest calculation (accounting balance versus managerial balance) displayed in the DED, customer home screen, and statements;
• Specify IOF rules per product, contemplating CP INSS and CP Correntista;
• Define criteria for calculating late payment interest by contract type and delinquency situation;
• Create accounting governance for personal credit, establishing standards that will serve as a reference for other products;
• Act with autonomy and ownership in product analysis and specification, ensuring adherence to legal and accounting requirements;
• Become the team's technical reference in accounting matters, consolidating broad domain knowledge on product rules and calculations.

What you need to become an Agilizado?

Requirements

• Understand accounting concepts with experience in scripting or analyzing credit products;
• Possess direct responsibility or close interface with balance reconciliation, provision validation (PDD), and interest accrual adjustments;
• Support in defining and parameterizing personal credit products;
• Master financial mathematics (amortization systems and interest calculation);
• Possess knowledge of Excel to support accounting analyses;
• Experience with generative AI tools.

Differentiators

• Previous experience with the Topaz banking core;
• Knowledge of IFRS9 and credit staging (Stage 1, 2, 3);
• Experience in fintechs or digital banks, with an agile rhythm and short sprints;
• Ability to write advanced SQL queries, including JOINs, aggregations, CTEs, and window functions.

• Health and well-being: health plan, dental plan, free psychological and medical tele-consultation, Totalpass, Meal and Food Vouchers, and Life Insurance/Funeral Assistance;
• Maternity and Paternity: daycare assistance, 6-month maternity leave, 20-day paternity leave, Meal/Food Vouchers during the leave period;
• Private pension;
• Profit Sharing Program (PPR) following annually established rules;
• Transportation voucher;
• Round-trip shuttle for Campinas and region (within a 50 km radius). Seats are reservable subject to availability and route. For those driving, we have free parking;
• Gift day off in your birthday month;
• Educational Partnerships: exclusive discounts on undergraduate degrees, postgraduate degrees, language courses, and professional development, with the possibility of extending the benefit to dependents;
• Cashback on Credit Card: 1% cashback on the total invoice amount of the card, credited to the next invoice;
• CDB Investment with differentiated yield: up to 105% of CDI;
• Exemption from Digital Communication Fees;
• Worker's Credit: differentiated rate and term. Available for hiring after 6 months with the company;
• FGTS Annual Withdrawal Anticipation;
• Dr. Pet: possibility to get a health plan for pets with up to 20% discount.

Hiring Company: Banco Agibank

Tô de dono Program

The Tô de Dono is more than a long-term incentive program – it's a recognition for those who live our culture daily. Each year, the Program gains new participants, employees who become owners of the business and profit from Agibank's appreciation whenever the company grows. So, those who are part of this history are those who dive headfirst into challenges to deliver great results. This is how we truly build a culture of ownership. Here, the formula is simple: you grow. Agibank grows with you.

Learn more about our day-to-day on LinkedIn and Youtube.

Check out our reviews on Glassdoor.