Business Consultant – Product Owner – PIX

🔥 3 minutes ago

🇧🇷 Brazil – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🪄 Product Specialist

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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BIP Brasil

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2003

📦 Logistics

📣 Marketing

🏭 Manufacturing

Logistics • Marketing • Manufacturing

BIP Brasil is an international consulting firm that drives significant transformation through a personalized approach, fostering a maker culture and pioneering spirit in a constantly changing environment. They support major players in various sectors with transformation projects, and their extensive expertise includes risk management, technology implementation, and supply chain innovations across multiple industries.

📋 Description

• Serve as a cross-functional liaison with internal teams at BIP clients, partners, PSPs, core banking platforms, technology vendors, and other stakeholders. • Lead process, business, product, and technology workshops with clients. • Map As-Is processes and design To-Be processes related to payments, collections, settlement, reconciliation, fund transfers, reversals, refunds, accounting, and tax impacts. • Define the roadmap, strategy, and backlog for adapting products, customer journeys, and integrations to comply with Split Payment and Tax Reform requirements. • Prepare customized functional specifications, including flows, business rules, end-to-end journeys, integrations, transactional events, exceptions, and acceptance criteria. • Support the definition of requirements for integrations among payment systems, core banking, ERP, tax and accounting systems, reconciliation platforms, billing platforms, and external vendors. • Assess the impacts of Split Payment on payment and collection journeys, fund segregation, settlement, transfers, reconciliation, cash flow, and operational governance. • Support backlog prioritization based on regulatory impact, operational criticality, technology dependencies, implementation risks, and client value. • Define and monitor KPIs, risks, issues, assumptions, dependencies, project milestones, and workstream status. • Produce executive and functional materials, including assessments, impact matrices, action plans, roadmaps, status reports, and recommendations. • Support acceptance criteria, functional test scenarios, journey validation, and user acceptance testing of changes.

🎯 Requirements

• Bachelor’s degree; all fields of study are welcome. • Solid experience with Pix, including a functional, regulatory, operational, and technological understanding of products, journeys, integrations, and operating models of PSPs, financial institutions, fintechs, or core banking platforms. • In-depth knowledge of Pix, including payment and collection journeys, static and dynamic QR Codes, Pix Cobrança, Pix Automático, refunds, MED, reconciliation, settlement, operational rules, and API-based integrations. • Advanced knowledge of the payments ecosystem and the role of PSPs, technology providers, and other participants in the transaction chain. • Track record in product, project, or transformation workstream management involving payment methods, banking, fintechs, or regulatory compliance initiatives. • Ability to translate regulatory, tax, and operational rules into functional requirements, process flows, business rules, and technology specifications. • Clear and objective communication skills. • Commitment to planned deadlines and deliverables. • Strong sense of urgency, autonomy, organization, and ownership of assigned workstreams. • Consultative profile, with the ability to structure problems, conduct interviews, synthesize findings, and propose practical implementation approaches. • Functional knowledge of payment slips, TED, transfers, settlement, financial reconciliation, and integration with transactional systems is desirable. • Knowledge of messaging, interoperability, APIs, webhooks, CNAB files, and integrations with core banking systems, ERPs, reconciliation platforms, PSPs, and other platforms is desirable. • Experience with or knowledge of Split Payment, Tax Reform, IBS/CBS, and their impacts on settlement, reconciliation, collection, fund transfers, and the adaptation of payment products is desirable.

🏖️ Benefits

• All Points (points program for airline tickets and accommodation) • Health insurance • Dental insurance • Life insurance • Pet insurance and services plan • Mobility benefits, including fuel and Uber/99 options • Flexible reimbursement (glasses, vaccines, education, concerts, and more) • Meal and/or food allowance • Birthday day off • Gympass • Financial consulting and facilitated loan options • Alelo Club with discounts at various stores and pharmacies • 180-day maternity leave • 30-day paternity leave • Daycare assistance during the baby’s first year • Transportation allowance according to project or department needs • Annual bonus program • Commission for referrals of new clients • Global training and development center • Flex Time – a dedicated period each week for your development • Mentoring programs with leaders • Semiannual performance reviews • Feedback culture and regular one-on-one meetings • Personalized development plan • Darwin – global development program for young talent • Grounding – global development program for newly hired professionals • Induction – international onboarding • Spinnaker – training to enhance the strategic skills of Managers and Senior Managers