About the role

Analista Pleno managing issuance of Credit Bank Notes and structured credit operations at Vivo. Focus on compliance, cash flow control, and financial reconciliation in São Paulo, SP.

Responsibilities

Monitor the formal issuance of Bank Credit Notes (CCBs), ensuring legal, operational and regulatory compliance.
Resolve inconsistencies and manual errors in the issuance process.
Monitor the registration of CCBs in the core banking system.
Control repurchase and cancellation transactions of CCBs, addressing and resolving discrepancies.
Manage the loan disbursement process to clients, ensuring cash control and full traceability of transactions.
Monitor cash flow with Treasury and perform necessary reconciliations.
Control financial restitution between the Direct Credit Company (SCD) and the FIDC and/or refunds to the client when required.
Execute the assignment of CCBs from the SCD to the FIDC, ensuring adherence to regulatory requirements.
Receive disbursement terms and coordinate signature collection, ensuring proper formalization within established deadlines.
Reconcile records between the SCD and the FIDC.
Reconcile cancelled contracts and customer withdrawals (right of repentance).
Propose and implement operational improvements to adapt to new products, regulatory changes and process optimizations related to CCBs.
Collaborate with internal areas and external partners, monitoring accounting and regulatory aspects.
Participate in system user acceptance testing and develop internal processes aligned with operational and regulatory requirements.
Perform monthly reconciliation ensuring continuity of issuance, disbursement and assignment flows.

Proven experience with issuance and management of CCBs and structured credit operations.
Knowledge of financial instruments (CCB), familiarity with Central Bank (Bacen) regulations and reporting processes.
Knowledge of credit assignment processes, reconciliations and cash flow management.
Strong financial and accounting reconciliation skills.
Analytical mindset, attention to detail and proactivity in problem-solving.
Strong communication skills and ability to build relationships with internal teams and external partners.
Resilient, open to change and oriented toward innovation; proactive in seeking solutions and adapting to new scenarios and challenges.
Previous experience in financial institutions, fintechs or Direct Credit Companies (SCD).
Knowledge of financial/core banking systems, credit modules and asset registry and reconciliation platforms.
Experience across credit operations from origination to assignment.

Choose the benefits that suit you and your dependents through a digital platform with multiple categories: Gym, Meal Allowance (VR), Food Allowance (VA), Pharmacy Assistance, Health Insurance, Dental Insurance and Life Insurance.
Corporate mobile phone. Yes, a brand-new smartphone for you!
Unlimited voice and data plan — truly unlimited, using Vivo’s fastest 5G network.
Exclusive Vivo offers with special discounts on landline, broadband, TV and apps.
Eligible to receive an annual bonus or profit-sharing (PPR).
Plan your future with a private pension plan.
Have children? You’ll be eligible for a subsidy to help with school, daycare or nanny expenses.
Work in an environment that respects your personality, dress style and individuality — be authentic. #VemdeVocê
Work remotely up to 2 days per week. #Mobility
Flexible working hours.
Enjoy a day off to celebrate your birthday (Day Off).
Participate in one of the largest corporate volunteer programs to help make a difference.
Benefit from our Educational Development Program with partnerships with educational institutions offering discounts, certifications and online courses.
Develop your career through our Internal Mobility Program, in Brazil or abroad — we operate in more than 17 countries! #VivoMinhaCarreira
Access a range of initiatives to improve your physical, emotional and social well-being through our #VivoBemEstar program, which encourages healthy habits and better quality of life.