Company Description
Experian is a global data and technology company that powers opportunities for people and businesses around the world. We operate in diverse markets, such as financial services, healthcare, automotive, agribusiness, insurance, among others. Experian invests in people and new advanced technologies to unlock the power of data. We have an incredible team of 25,200 employees in 32 countries.
Our uniqueness is valuing yours. Experian's people-centric, inclusive, and purpose-driven culture is recognized by numerous awards — including World’s Best Workplaces™ 2025 (Fortune's Top 25 global) and Great Place To Work™ in 26 countries, among others. Check out Experian Life on social media or explore our careers site to understand why. Experian is also proud to be an equal opportunity employer and affirmative action employer.
Job Description
The Treasury department is at the heart of the operation's financial decisions: on one hand, it sustains cash predictability in a business with a complex flow of settlement, Float, and receivables; on the other, it models the impact of every strategic move before it becomes reality. The Treasury Manager is responsible for all of this - from day-to-day operations to the long-term projections that support board planning.
Responsibilities
Cash and liquidity management: daily monitoring of operational Float, liquidity position, and account management in the payment ecosystem (payment accounts, settlement accounts, transit accounts between PIs, card schemes, and acquirers).
Projections and financial modeling: construction and continuous evolution of cash flow models (short, medium, and long term), incorporating variables such as TPV, card scheme mix, settlement terms, seasonality, and portfolio growth. Ability to create new models for unmapped scenarios - product expansion, regulatory changes, new payment arrangements.
Financial exposure and risk management: mapping and mitigating liquidity risks, foreign exchange (where applicable), counterparty concentration, and exposure to chargebacks at scale.
Institutional relations: interface with settlement banks, custodians, credit partners, and Bacen - including regulatory reporting according to PI regulations (Circular 3.885 and related).
Funding and capital raising: evaluation and structuring of credit lines, ARV (Seller Receivables Anticipation) instruments, and funding alternatives compatible with the business model.
Rituals and governance: construction of treasury management reports, participation in the FCST/BDGT cycle, and support to the board in P&L analyses with cash impact.
Qualifications
- Degree in Finance, Economics, Engineering, or related fields. A postgraduate degree or MBA is a plus, not a requirement.
- Minimum of 5 years of experience in corporate treasury, with at least 2 years in payment companies, fintechs, or digital banks. Knowledge of the payment arrangement ecosystem in Brazil (Pix, card, D+X settlement, role of PIs before Bacen) is mandatory.
- Advanced mastery of financial modeling - must be able to build from scratch, not just fill in templates. Expert-level Excel/Sheets and, preferably, comfortable with BI tools or analysis languages (Python, SQL).
- Hybrid profile: able to close the daily cash position and, on the same day, deliver a sensitivity analysis for a liquidity stress scenario. Does not outsource operational tasks nor get lost in them.
- Objective communication with the board and C-level: translates numbers into decisions, without fluff.
Additional Information
Serasa Experian is much more than you imagine. With the purpose of creating a better future, expanding opportunities for people and businesses, in Brazil we are more than 4,000 people working in diverse teams and specialties. Here, every piece of knowledge and diversity complements each other and you can work on what you love most. We are committed to building an inclusive culture and an environment in which people can balance their careers with their personal commitments and interests, valuing well-being.
We are dedicated to being one of the best and most innovative companies to work for in the country, enabling incredible experiences and careers for our people. Our strong people-first approach is recognized externally through various market certifications: we have been awarded by Great Place To Work™ in 24 countries and by the international Top Employers certification, in addition to being recognized as one of the best companies for young professionals and having a 4.6 rating on Glassdoor. Each recognition indicates that we are on the right path, providing an increasingly better work environment for our talent.
Come be #TimeVeloz!
Let's grow together! We want to truly contribute to the growth of those around us. Our Purpose? Improve lives, share dreams and achievements.