Mid Treasury & Liquidity Analyst

The professional must be based in São Paulo/SP - Brazil.

Description

OKTO’s continuous growth demands high-caliber candidates who embody professionalism, passion, and creativity. For those who join us, we offer significant career advancement, stimulating challenges, and a clear runway for growth.

OKTO is the next-generation Payment Service Provider — AI-native, precision-engineered, and relentlessly merchant-obsessed. Built for merchants operating in the most complex and demanding eCommerce sectors, our platform goes far beyond transaction processing. We solve for scale, compliance, and performance with one unshakable focus: delivering outcomes that power merchant growth.

From payments and banking to treasury and settlement, we engineer the financial infrastructure that gives our partners a competitive edge. The result? Faster onboarding, smarter operations, and resilient, real-time performance.

At OKTO, we enable merchants to Play Differently, transforming payments from routine transactions into true differentiators that deliver personalized, frictionless experiences.

Our AI-native innovation harnesses data and insight to power every decision, while our proprietary in-house engineering ensures precision and control. Combined with deep, trust-based relationships worldwide, we’re redefining what it means to build, scale, and win in complex digital commerce.

Position Summary
We are looking for a Treasury & Liquidity Analyst to support the company's daily liquidity management, ensuring the availability of funds for financial operations while contributing to the overall financial stability of the business.

This professional will be responsible for cash management, banking relationships, cash flow forecasting, liquidity monitoring, and maintaining close collaboration with the FinOps, Accounting, and Operations teams.

Key Responsibilities

Cash & Liquidity Management

• Prepare and monitor the company's daily consolidated cash position.
• Monitor balances across proprietary, transactional, and regulatory accounts.
• Ensure sufficient liquidity for settlements, payments, and other financial obligations.
• Manage transfers between bank accounts.
• Execute investments, redemptions, and financial transfers.
• Maintain operational relationships with financial institutions and banking partners.

Cash Flow Management

• Prepare weekly and monthly cash flow forecasts and report them to the Group Headquarters.
• Monitor variances between budgeted and actual cash flow.
• Support the financial planning process.

Responsibilities also include:

• Monitoring FX settlement operations.
• Forecasting settlement requirements.
• Supporting financial reconciliations.

Financial Reconciliations

• Ensure daily reconciliation between bank accounts, internal systems, and accounting records.
• Investigate and identify financial discrepancies.
• Follow up on outstanding reconciliation items until resolution.
• Support the monthly financial closing process.

Requirements

Education

• Bachelor's degree in Business Administration, Economics, Accounting, Engineering, Finance, or a related field.

Experience

• Previous experience in Corporate Treasury, including cash flow management, cash and liquidity management, and banking relationships.
• Experience within a Financial Institution, FinTech, or Payment Institution.
• Experience with AI-driven automation initiatives is considered a plus but is not mandatory.

Technical Skills:

• Advanced Microsoft Excel.
• Cash Flow Management.
• Treasury Operations.
• Liquidity Management.
• Financial Reconciliations

Languages:

• Advanced to Fluent English (mandatory).
• Fluent Portuguese (mandatory).

Nice to Have

• Previous experience in the payments industry.
• Knowledge of instant payment settlement structures (e.g., PIX or similar payment schemes).
• Experience in financial process automation.
• Participation in ERP implementations or finance transformation projects.

Important Information

• Full-time position under a CLT (Brazilian employment) contract
• Hybrid work model, based in São Paulo/SP – Brazil
• Please submit your resume in English

Benefits

• Competitive compensation – aligned with your experience and the market.
• Meal allowance – provided through a prepaid card, with the flexibility to use part of the balance beyond food expenses.
• Health and dental plan – no monthly cost for you and your dependents, with comprehensive coverage to take care of your health and well-being.
• TotalPass – access to gyms and partner studios, encouraging a healthy and balanced lifestyle.