Strategic Payments Operations Specialist

The role

You will connect transactional data, commercial agreements, and payment ecosystem expertise to drive decisions. You will improve payment performance, processing costs, profitability, and customer experience.

What you will do

• Analyze payment partner performance to improve approval rates, costs, and efficiency
• Evaluate payment processing cost structures
• Develop profitability analyses, financial models, and business scenarios
• Manage relationships with acquirers, card schemes, banks, and other payment partners
• Investigate discrepancies between contractual terms, partner charges, and transactional data
• Support payment routing and volume migration decisions
• Monitor regulatory developments, card scheme rules, pricing changes, and market trends
• Collaborate with cross-functional teams to implement improvements
• Prepare data-driven analyses and executive communications
• Take ownership of cross-functional initiatives from diagnosis to implementation

Required qualifications

• 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 and developing P&L and profitability analyses
• Advanced Excel skills, including financial modeling, data analysis, and scenario simulations
• Hands-on experience leveraging AI tools to improve analytical efficiency and operational workflows
• Advanced English proficiency, both written and spoken
• Ability to thrive in a fast-paced environment and adapt to the Brazilian payments market and regulatory landscape
• Strong communication, critical thinking, problem-solving, and stakeholder management skills
• Autonomy and ownership to drive initiatives from analysis through execution
• 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
• 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

About the company

EBANX is a fintech that connects digital businesses with customers across 21 markets. It builds infrastructure to allow payments to move further, faster, and smarter.