Balance increased approvals with risk control
Maximize authorization rates without compromising fraud levels, chargebacks and financial exposure.
Reduce friction in the payment journey
Address root causes of declines, systemic failures and processing inconsistencies in physical and digital environments.
Orchestrate multiple stakeholders with differing interests
Lead technical and strategic alignments between issuers, acquirers, card networks and internal teams.
Respond quickly to crisis scenarios
Manage authorization incidents, performance degradations or system outages with agility, precision and governance.

Payments ecosystem: issuers, acquirers, card networks (brands), sub-acquirers and fintechs.
Authorization flow (on-us / off-us), card-present (CP) / card-not-present (CNP) and international environments.
Authorization performance metrics, TPV (total payment volume), approval rates, declines and market benchmarks.
Payment scheme rules, operational manuals and regulatory impacts on the authorization flow.
Data analysis applied to authorization performance and identification of root causes of declines.
Use of artificial intelligence and analytical models for:
Detection of transactional behavior patterns
Optimization of authorization rules
Decision support in risk and fraud scenarios
Familiarity with machine learning concepts, automation and BI tools.
Understanding of system integrations, authorization messaging and staging (homologation) and production environments.

Profit-sharing program (PPR);
Medical insurance (Bradesco
co-payment);
Optional dental insurance (Bradesco);
Life insurance (Banco do Brasil);
Optional private pension plan (employees may contribute up to 7.8% of salary; Elo matches between 100% and 200% according to plan rules);
Meal/food allowance of R$1,800.00;
R$150.00 flexible balance to use for credit-related benefits;
Christmas voucher of R$850.00;
Home office allowance (R$200.00 for hybrid model and R$300.00 for remote model);
Mobility allowance of R$400.00;
Free parking;
Childcare assistance for parents;
Culture allowance (to be used for theater, cinema or bookstores);
Extended parental leave (for same-sex couples, biological parents, adoptive parents, etc.);
Birthday day off;
Wellness platform focused on mental and nutritional health;
WellHub and TotalPass (network of gyms and studios for sports and fitness).

Authorizations Manager

Key skills