NOVACARD

Location: Moscow, Russia; St. Petersburg, Russia; Yerevan, Armenia; Tbilisi, Georgia; Astana, Kazakhstan; Almaty, Kazakhstan; Belgrade, Serbia Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We are looking for an experienced System Analyst to analyze the current system, design target solutions, and support development teams throughout all stages of the migration. Key Responsibilities: Analyze the existing system, identify business rules, dependencies, and constraints Develop detailed technical requirements and specifications for functionality migration Define and align integration contracts (REST APIs, JSON schemas, event contracts) Model and visualize business processes and data flows using BPMN and UML (Sequence, Activity, Component diagrams) Design data migration: mappings, transformations, and migration strategies Decompose technical initiatives into development tasks; prepare User Stories / Use Cases and define acceptance criteria Perform risk and bottleneck analysis for the target architecture Support development teams during delivery: answer questions, participate in backlog grooming and sprint planning Collaborate with adjacent teams and stakeholders to align technical decisions Maintain and update documentation in the knowledge base (Confluence) Participate in complex incident investigation and root cause analysis What We Expect: Experience in banking, fintech, or e-commerce products 5+ years of experience as a System Analyst, preferably in integrations or product development Deep understanding of REST API principles (HTTP methods, status codes, headers, idempotency, versioning) Hands-on experience with API testing and description tools (Swagger/OpenAPI, Postman) SQL knowledge: ability to write complex queries with JOINs, window functions; understanding of PostgreSQL database structure Ability to create clear and structured diagrams using BPMN and UML Strong technical documentation skills (requirements, specifications, technical descriptions) Experience with event-driven architecture and message brokers (Kafka, RabbitMQ) Understanding of microservices architecture and service interaction patterns Experience with legacy systems and data migration Nice to Have: Experience participating in architecture reviews and technical decision-making Knowledge of CQRS, Event Sourcing patterns Experience with GraphQL English proficiency sufficient for reading technical documentation What We Offer : Fully remote work format Opportunity to work in an international team on a large-scale financial product migration A data-driven environment where your contributions have a real impact

Location: St. Petersburg, Russia; Moscow, Russia; Belgrade, Serbia Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We’re looking for a DevOps Engineer to design, deploy, and operate AWS infrastructure for a large-scale migration of a digital financial product. You’ll build and maintain a production-ready platform covering AWS networking, Kubernetes/EKS, CI/CD, observability, backup/restore, and secure access management. You’ll collaborate closely with development, system analysis, QA, and engineering teams to ensure fast delivery, stable services, and a controlled migration. Key Responsibilities: AWS Infrastructure Design & Operations Design, deploy, and maintain AWS infrastructure: VPC, Subnets, Route Tables, Security Groups, IAM, EC2, EBS, S3, ELB/ALB/NLB, Route53. Configure AWS networking: public/private subnets, NAT Gateway, Internet Gateway, VPC Peering / Transit Gateway, VPN, routing. Ensure HA, backup/restore, disaster recovery, and production infrastructure principles. Create and maintain AWS infrastructure as code using Terraform. Kubernetes & Containerization Build and operate Kubernetes on AWS (EKS). Work with core Kubernetes objects: Deployment, StatefulSet, DaemonSet, Service, Ingress, ConfigMap, Secret, Job/CronJob, PVC/PV, Namespace, ServiceAccount. Use Helm for application management. Configure Ingress Controller, Load Balancer, and TLS/certificates. Understand Kubernetes storage and ensure stateful applications run reliably. Work with Docker: image builds, registry, container troubleshooting. CI/CD & Automation Build CI/CD processes, preferably with GitLab CI. Automate deployment of applications and dependent services. Integrate infrastructure changes into pipelines and maintain reproducible environments. Observability, Reliability & Operations Set up monitoring with Prometheus + Grafana: metrics and alerts. Organize centralized log collection and analysis: Loki/ELK/OpenSearch. Diagnose network and system issues in Linux. Ensure production stability, respond to incidents, and eliminate root causes. Security & Access Management Manage secrets: AWS Secrets Manager / Vault/OpenBao / External Secrets. Configure RBAC/IAM and follow the principle of least privilege. Ensure secure service-to-service communication and infrastructure access. Data & Services Support PostgreSQL, Redis, RabbitMQ/Kafka at the infrastructure and application integration level. Ensure backup/restore and fault tolerance for stateful services. Help teams deploy and maintain dependent services in Kubernetes. Key Requirements: AWS & Networking Strong AWS experience: VPC, Subnets, Route Tables, Security Groups, IAM, EC2, EBS, S3, ELB/ALB/NLB, Route53. Good understanding of AWS networking: public/private subnets, NAT Gateway, Internet Gateway, VPC Peering / Transit Gateway, VPN, routing. Kubernetes & Containers Hands-on experience building and operating Kubernetes on AWS (EKS). Understanding of core Kubernetes objects: Deployment, StatefulSet, DaemonSet, Service, Ingress, ConfigMap, Secret, Job/CronJob, PVC/PV, Namespace, ServiceAccount. Experience with Helm. Experience configuring Ingress Controller, Load Balancer, and TLS/certificates. Experience with Docker: image builds, registry, container troubleshooting. Understanding of Kubernetes storage and stateful application operation. IaC & CI/CD Terraform — creating and maintaining AWS infrastructure as code. Experience building CI/CD, preferably GitLab CI. Data, Queues & Storage Experience with PostgreSQL, Redis, RabbitMQ/Kafka at the infrastructure and application integration level. Understanding of HA, backup/restore, disaster recovery, and production infrastructure principles. Monitoring, Logging & Secrets Monitoring: Prometheus + Grafana, configuring metrics and alerts. Centralized log collection and analysis: Loki/ELK/OpenSearch. Secrets management: AWS Secrets Manager / Vault/OpenBao / External Secrets. Linux & Security Linux administration and confident diagnosis of network and system issues. Experience configuring RBAC/IAM and following the principle of least privilege. Especially Important Practical Experience: The engineer must be able to design an AWS network from scratch → set up EKS → deploy an application and dependent services → configure ingress/DNS/TLS → CI/CD → monitoring/logging → backup → hand over a production-ready infrastructure for operation. Nice to Have: Experience migrating lending systems or fintech products. Experience building CI/CD with GitLab CI. Hands-on experience with Vault/OpenBao, External Secrets. Experience with Kafka and stateful services in Kubernetes. What We Offer: Participation in a large-scale migration of a digital financial product. Work with a modern stack: AWS, Kubernetes/EKS, Terraform, CI/CD, Prometheus/Grafana. Close collaboration with development, system analysts, QA, and engineers. Opportunity to build a production-ready platform from scratch and hand it over to operations. Terms and work format — discussed individually

Location: Belgrade, Serbia; St. Petersburg, Russia; Moscow, Russia Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We’re looking for a Site Reliability Engineer (SRE) to ensure the stability, performance, and reliability of our critical production systems. You’ll work at the intersection of development and operations — building automation tools, improving observability, and preventing incidents before they occur. Key Responsibilities: Ensure the stability, performance, and fault tolerance of production systems. Develop and maintain infrastructure automation and observability tools. Monitor system health, respond to incidents, and perform root cause analysis (RCA). Collaborate with development teams to improve scalability and reliability of services. Define and manage SLIs , SLOs , and Error Budgets . Lead incident response: organize recovery, document RCA, and run blameless post-mortems. Configure and administer Grafana and Zabbix , design insightful dashboards, and fine-tune alerting. Integrate and monitor external vendor systems, collaborating with vendor technical support when needed. Key Requirements: Fluent Russian, English B1+ (comfortable with technical documentation). 3+ years of experience as an SRE, DevOps, or Infrastructure Engineer. Strong understanding of observability principles (metrics, logs, traces). Hands-on experience with Grafana and Zabbix (administration, configuration, alert optimization). Experience working with AWS and CI/CD tools. Practical knowledge of SLI/SLO/Error Budget frameworks. Experience leading and documenting incidents and post-mortems. Scripting skills for automation (Python, Bash, or Go). Solid understanding of distributed systems and networking fundamentals. Nice to Have: Experience monitoring and supporting mobile applications. Familiarity with Terraform, Prometheus, Loki, ELK, or similar tools. Experience working with Kubernetes and containerized environments. What We Offer: Fully remote work format. Official employment under the Russian Labor Code (for residents of Russia); contractor collaboration available for candidates from other countries. Opportunity to work in an international team on a new digital product for the Mexican market. A data-driven environment where your contributions have a real impact.

Location: Moscow, Russia; St. Petersburg, Russia; Yerevan, Armenia; Tbilisi, Georgia; Astana, Kazakhstan; Almaty, Kazakhstan Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico, designed to simplify personal finances and give users complete control – all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role We are looking for a QA Automation Engineer to own the quality of key user scenarios across the stack. In this role, you will do more than write autotests — you will build a reliable automation system that covers everything from a customer action in the Flutter mobile app to data validation in APIs, message queues, and databases. You will work closely with developers, analysts, DevOps, and other QA engineers to ensure delivery speed and reliability of financial services. We expect an engineer who sees risks in a microservices architecture and prevents them with well-designed automated coverage. The role is fully remote, with occasional business trips if required. Key Responsibilities Develop, maintain, and evolve UI autotests for the Flutter mobile application (Android/iOS) using Python and Appium. Design the automation framework architecture: implement and maintain Page Object patterns, business step layers, fixtures, and environment configurations. Work with Flutter app locators: use Semantics labels and accessibility IDs, and align their implementation with mobile developers to improve test stability. Ensure autotest suite stability: diagnose and eliminate flaky tests, manage waits, and configure test isolation. Configure and maintain Allure reporting: steps, attachments such as screenshots, logs, and traffic, run history analysis, and linking autotests to test cases. Integrate autotests into CI/CD using GitLab CI: run pipelines, set up parallel runs on emulators and real devices, and maintain acceptable execution time. Analyze new functionality, participate in requirements review, and create test designs. Perform functional, integration, regression, and end-to-end testing. Test external and internal integrations, including SOAP/REST APIs, XML/JSON processing, authorization, contracts, and service interaction errors. Analyze asynchronous processes: message queues and event buses such as Kafka and RabbitMQ, consumers, retries, idempotency, and delayed effects. Identify cross-team dependencies during task definition and align them with related teams before development and testing begin. Estimate testing and automation effort, maintain and expand the regression test suite. Analyze run results, report risks, defects, and blockers in a timely manner, and prepare clear quality reporting. Automate test data preparation: use SQL scripts, internal service APIs, emulation of external system states, and mocks. Work confidently with databases: write medium-complexity SQL queries with joins and aggregations, validate data after user operations in MS SQL Server and/or PostgreSQL, and access databases from autotest code. Investigate logs and metrics in monitoring systems such as Kibana, OpenSearch, and Grafana, and trace requests across services using correlation or trace IDs. Diagnose autotest failures: identify root causes using device logs, traffic, and service logs, and file defects in the tracking system. Key Requirements 2+ years of experience in mobile UI test automation. 5+ years of experience testing microservice-based applications. 2+ years of experience testing external integrations. Strong Python skills: OOP, working with libraries, reading and refactoring code, writing utilities and helpers. Hands-on experience with pytest: fixtures, parametrization, markers, conftest, and plugins. Practical experience with Appium. Experience automating Flutter applications or readiness to quickly learn Flutter-specific automation. Knowledge of Git and experience integrating autotests into CI/CD. Experience in functional testing of Android and iOS mobile applications. Excellent knowledge of testing theory and test-design techniques. Strong understanding of SOAP/REST API testing, XML/JSON, HTTP response codes, contract schemas, session-based and token-based authentication; experience automating API calls in Python using requests or similar libraries. Confident SQL skills: ability to independently write medium-complexity queries, read database schemas, and validate data in MS SQL Server and/or PostgreSQL. Understanding of asynchronous service communication: Kafka, RabbitMQ, or similar brokers, consumers, idempotency, retry mechanisms, and delayed event processing. Experience with logging and monitoring systems such as Kibana, OpenSearch, Grafana, or similar tools. Ability to independently prepare test data using SQL scripts, internal or service APIs, and emulation of external system states. Fluent Russian and English at B1+ level, sufficient for technical documentation and an international team. Experience developing in Dart or reading Flutter app code to understand widget structure and add Semantics keys. Nice to Have Experience with device farms such as BrowserStack, Sauce Labs, or local device farms, Appium Grid, and parallel execution on device pools. Experience developing in Dart or reading Flutter app code to understand widget structure and add Semantics keys Experience with Charles, Fiddler, Swagger, Postman, and SOAP UI, including proxying and mocking responses on devices. Experience automating the API layer as a separate suite, as well as basic Postman automation and running collections via Newman. Experience with visual testing and screenshot-based tests. Experience in fintech or banking products: card processing, credit products, tariffs, fees, limits, card statuses, and card lifecycle management. Experience testing BPMS processes and workflow engines such as Camunda. Understanding of financial application security requirements: personal data handling, OTP flows, session management, and basic PCI DSS principles. Experience setting up test infrastructure: Docker, running emulators in CI, and build caching. Experience estimating testing tasks and working with QA quality metrics such as DDE, defect density, test coverage, autotest stability, and execution time. What We Offer Fully remote work format. Official employment in accordance with the Russian Labor Code for residents of Russia; contractor collaboration for candidates from other countries. Opportunity to work in an international team on an innovative digital credit product for the Mexican market. A product-focused, data-driven environment where quality directly influences the financial experience of thousands of users. The chance to work on complex mobile, backend, and integration scenarios in a rapidly growing fintech company.

Location: Ciudad de México, Mexico Workplace: hybrid At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control — all from a mobile app. With NOVACARD, users only pay when they use it and can manage everything digitally. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We are looking for a Deputy CFO to act as the CFO’s direct strategic and operational partner and serve as a full deputy across finance workstreams when required. This is a senior finance leadership role with a strong focus on strengthening NOVACARD’s analytical core — budgeting, financial modeling, and unit economics — while also overseeing management reporting, credit portfolio analytics, treasury and liquidity, and finance team development. You will combine hands-on analytical ownership with senior-level financial leadership, helping translate business and portfolio dynamics into clear financial decisions. The role requires a highly structured finance leader who can build scalable planning and reporting processes, challenge assumptions, maintain rigorous data integrity, and partner effectively with Product, Risk, Marketing, Operations, Legal, investors, and senior management. Key Responsibilities: Own the annual budgeting and rolling forecast process across revenue, OPEX, CAPEX, and headcount, including monthly re-forecasting and scenario updates. Build and maintain a robust budget-to-actual framework , connecting operational and portfolio drivers — including card issuance, activation, portfolio growth, DPD/NPL trends, and credit losses — to P&L, balance sheet, and cash flow outcomes. Deliver monthly variance and root-cause analysis , identifying deterioration or upside early and translating financial insights into clear management actions. Continuously improve and automate FP&A processes through standardized templates, driver-based budgeting, stronger data flows, and shorter planning cycles. Build and stress-test base, downside, and stress scenarios , including their impact on profitability, funding requirements, liquidity, and runway. Own and continuously refine unit economics models by product, customer cohort, and vintage, ensuring economics remain current as the business and portfolio scale. Develop financial models for new products, pricing changes, and strategic initiatives , including sensitivity, break-even, NPV/IRR, and cost-of-capital analysis. Integrate credit losses, CoR, ECL/IFRS 9, funding costs, and processing/platform expenses into a defensible view of portfolio profitability per card, cohort, and vintage. Maintain high standards of data quality, reconciliation, and traceability across financial models and management reporting, documenting limitations and developing defensible proxies where required. Prepare monthly management reporting covering P&L, balance sheet, cash flow, waterfall analyses, portfolio economics, and key business drivers for HQ, investors, and the executive team. Ensure material discrepancies are investigated and resolved before external reporting, and maintain clear disclosure of related-party versus third-party transactions . Own credit portfolio yield and performance analytics in partnership with the CRO function, including yield, APR proxy, DPD buckets, NPL/CoR, vintage curves, and cohort performance. Deliver cohort and vintage analysis to support pricing, risk appetite, provisioning, and portfolio management decisions . Oversee the 13-week rolling cash flow model , liquidity scenarios, and runway analysis, acting as first-line reviewer and approver on behalf of the CFO when required. Monitor liquidity across banks and payment platforms and serve as second-level authorization within the payment approval framework. Provide day-to-day leadership and mentoring to the finance organization across FP&A, Accounting, Treasury, and Data Analytics , setting clear standards for quality, timeliness, and documentation. Partner with Product, Risk, Marketing, Operations, and Legal to embed unit economics and financial discipline into product, pricing, and strategic decisions from the outset. Participate in finance systems strategy, including ERP selection, system integrations, process automation, and financial data infrastructure . Act as the CFO’s proxy when required, including interactions with HQ, investors, external advisors, and preparation of board-level materials.

Location: Ciudad de México, Mexico Workplace: hybrid About the Role At NOVACARD , we're looking for a Legal Contracts & Corporate Affairs Analyst to support NOVAPLAZO and our growing operations in Mexico. You will work across commercial contracting, corporate affairs, AML/KYC compliance, and financial regulation , partnering with Operations, Finance, Product, Commercial, and other teams. What You'll Do Contracts & Corporate Affairs Review, negotiate, and formalize merchant, supplier, and commercial agreements , including NDAs. Review key clauses related to data protection, intellectual property, confidentiality, liability, and termination. Manage contract documentation, version control, signatures, and corporate files. Support shareholder meetings, powers of attorney, corporate records, and filings before the RPC and SAT. Coordinate corporate matters with notaries, financial institutions, and internal stakeholders. Compliance & Legal Support Support AML/KYC compliance under LFPIORPI and applicable regulations. Review and validate customer and corporate documentation. Support monthly notices and reporting before the UIF . Assist with regulatory matters involving Banxico, CONDUSEF, PROFECO, and other relevant authorities . Provide day-to-day legal support to Operations, Product, Commercial, and Finance teams. What We're Looking For Law degree (Licenciatura en Derecho) and valid Mexican professional license ( cédula profesional ). At least 3 years of relevant professional experience in sector. Experience in commercial contracts and corporate law . Knowledge of Mexican corporate and commercial regulations. Knowledge of AML regulations (LFPIORPI) and KYC processes. Strong analytical, organizational, communication, and legal writing skills. Ability to manage multiple legal matters and deadlines simultaneously. Intermediate to advanced English . Nice to Have Experience in fintech, financial services, acquiring, payments, or regulated industries . Knowledge of financial regulation and data protection (LFPDPPP) . Experience with electronic signature and document management platforms. Postgraduate studies in Corporate, Financial, or Regulatory Law.

Location: Ciudad de México, Mexico Workplace: hybrid Location: Mexico City (Hybrid for Mexico location and remotely for others locations) | Department: Strategy D&A Office Company: NOVACARD Be part of NOVACARD’s transformation into a truly data-driven fintech. We’re looking for a Strategy & Data Governance Analyst — a key contributor bridging business strategy, financial analytics, and enterprise data management. Your mission is to build a data-empowered decision culture: translate data into strategic insights, ensure data quality and governance, and support data-driven business planning. 📝 What You’ll Do – Responsibilities: 📈 Drive Strategic Analytics ·       Analyze company performance across key fintech metrics: acquisition, activation, retention, monetization, and churn. ·       Build and maintain unit-economics models to evaluate channel profitability, LTV/CAC dynamics, and payback periods. ·       Identify growth drivers, operational inefficiencies, and levers for strategic improvement. ·       Provide analytical support for strategic planning, quarterly targets, and investment prioritization. 🧠 Lead Data-Driven Transformation ·       Design and implement a framework for data-driven decision-making across departments. ·       Establish standardized KPI definitions, reporting hierarchies, and accountability chains. ·       Support leadership in translating business goals into measurable data objectives. 🧩 Build Data Governance Framework ·       Coordinate creation and maintenance of core governance artifacts: ·       Metadata descriptions ·       Enterprise Data Catalog ·       Data Lineage (technical and business flow mapping) ·       Business Glossary (data stewards and owners register) ·       Data Quality Rules & Profiling metrics ·       Data Observability & Monitoring dashboards ·       Collaborate with IT, Data Engineering, and Product teams to ensure reliable and transparent data flows. 🔍 Maintain Data Quality & Trust ·       Define and monitor data quality KPIs: completeness, consistency, timeliness, and accuracy. ·       Investigate data anomalies and drive root-cause analysis with responsible teams. ·       Build automated data quality and observability processes within DWH and reporting layers. 🧪 Run Strategic Experiments ·       Design and analyze A/B and multivariate tests supporting product and business hypotheses. ·       Measure incremental impact of product, pricing, and communication changes on key business metrics. ·       Apply statistical rigor to evaluate significance and scalability of experimental results. 📊 Deliver Executive Insights ·       Develop dashboards and reports that translate complex data into actionable recommendations for management. ·       Support financial planning, forecasting, and scenario analysis with data-driven models. ·       Ensure consistent alignment between operational KPIs and strategic company goals. 🤝 Cross-Functional Collaboration ·       Act as an interface between Strategy, Product, Data, and Finance teams. ·       Promote data stewardship culture and educate teams on proper data usage and governance principles. ·       Facilitate adoption of data-governance tools and processes across the organization. 📝 Regular Tasks: ·       Maintain financial and operational KPI dashboards in Power BI (or similar). ·       Conduct deep-dive analyses on acquisition, retention, and monetization metrics. ·       Support management in quarterly OKR reviews with analytical insights and forecasts. ·       Curate metadata, lineage, and glossary entries for critical datasets. ·       Track implementation of governance policies and compliance with data ownership model. ·       Evaluate effectiveness of data quality monitoring tools and workflows. ·       Prepare and present analytical materials for leadership and board-level reviews. 💻 Skills & Tools: ✅ SQL – advanced level for analytics and governance queries. ✅ Python – for modeling, statistical analysis, and data validation. ✅ Power BI (or similar-  Tableau, Looker etc) – for data storytelling and executive reporting. ✅ Data Governance Platforms – experience with Ataccama, Collibra, Alation, OpenMetadata or etc. ✅ DWH & Integration – understanding of pipelines, data lineage, and data catalog integration (Postgres, etc.). ✅ Statistics & Experimentation – hypothesis testing, regression, causal inference, cohort analysis. ✅ Financial & Strategic Analysis – familiarity with unit economics, LTV, CAC, margin modeling. 🌟 Soft Skills: 🗣️ Strategic Communication – ability to distill analytical insights into concise strategic narratives for executives. 🧩 Systems Thinking – connects operational processes, data flows, and financial outcomes. 📋 Project Management – coordinates cross-team governance initiatives. 🔎 Critical Thinking – detects weak points in data logic and decision frameworks. 🤝 Stakeholder Leadership – builds alignment among Product, Risk, Marketing, Operations, Legal, Finance, DWH and IT. 🚀 Change Catalyst – inspires teams to adopt data-driven practices and maintain analytical discipline.

Location: Ciudad de México, Mexico; Moscow, Russia Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We are looking for a Senior Campaign Manager to take ownership of campaign planning and coordination across our near-prime client portfolio. You will define the campaign structure and schedule, coordinate cross-functional teams to automate and launch campaigns on time, and ensure seamless execution from brief to analysis. This role requires a systematic thinker who can build scalable campaign processes and deliver results in a fast-paced lending environment. The role is based in Mexico, with remote flexibility and business trips when required. Key Responsibilities: Define the structure, prioritization, and schedule of portfolio campaigns targeting activation, balance building, retention, and cross-sell among Near Prime customers. Own the full campaign cycle — from briefing and task setting to launch coordination, delivery monitoring, and post-campaign analysis. Collaborate with development and CRM teams to automate recurring campaigns, reducing manual effort and increasing speed to market. Work closely with marketing, analytics, IT, and product teams to align on timelines, resources, and priorities for all campaign initiatives. Verify campaign setup accuracy, audience segmentation logic, and communication scenarios before launch to ensure flawless customer experiences. Monitor campaign results against KPIs, prepare regular performance reports, and deliver actionable recommendations for optimization. Establish standards, playbooks, and best practices to continuously improve the speed, quality, and impact of portfolio campaigns. Key Requirements: Proven experience managing marketing or CRM campaigns at a Senior level in fintech, banking, or consumer lending — mandatory. Solid understanding of CRM principles, customer segmentation, and communication automation (e.g., triggered journeys, dynamic content). Upper-intermediate English or higher (both spoken and written) — required for communication with international teams and HQ. Strong organizational, analytical, and project management skills, with the ability to run multiple campaigns concurrently and maintain meticulous attention to detail. Proactive mindset, end-to-end ownership of results, and ability to effectively coordinate cross-functional teams. Advanced soft skills: clear communication, stakeholder management, and a collaborative approach to problem-solving. What We Offer Remote or hybrid work format, with business trips as required. Official employment under local labor law; contractor arrangements available for candidates from other countries. The opportunity to drive portfolio engagement strategy for a growing Near Prime segment in Mexico. A data-driven environment where campaigns are core to customer lifecycle management and business growth. Cross-functional exposure to marketing, product, analytics, and technology teams, with a direct impact on portfolio metrics.

Location: Ciudad de México, Mexico; Moscow, Russia Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We are looking for a strong Product Leader to own the client experience in our mobile application. You will have full accountability for the app’s design quality, end-to-end customer journeys (CJM), and the usability of every touchpoint. This role requires someone who can think in metrics and interface details simultaneously, building the product around real customer needs. You will shape the strategy, lead design execution, and drive measurable improvements in activation, conversion, and engagement. The role is based in Mexico, with remote flexibility and business trips when required. Key Responsibilities: Mobile Experience Strategy: Define and evolve the UX/UI strategy for the mobile app, prioritizing simplicity, speed, and intuitive navigation that aligns with the needs of Near Prime customers. Customer Journey Design: Architect and optimize end-to-end customer journeys within the app — from onboarding and first use to regular product interaction, limit management, and repeat transactions. Own the CJM across all touchpoints. Product Metrics & User Behavior: Analyze in-app user behavior (funnels, screen flows, usage scenarios). Track and improve conversion rates for key actions (activation, product application, repeat visits) and identify interface bottlenecks through data. Design Process Leadership: Partner closely with UX/UI designers. Set clear tasks, ensure high quality of mockups and prototypes, facilitate user testing, and maintain design consistency across all app features. Ecosystem Integrations: Design seamless interaction scenarios between the mobile app and other company products and services, ensuring a unified and effortless customer experience within the broader ecosystem. Cross-Functional Collaboration: Work in tight alignment with product teams, engineering, analytics, legal, and marketing to deliver a consistent and compliant user experience. Continuous Improvement: Build and maintain a backlog of UX/UI enhancements based on data insights, customer feedback, market benchmarking, and company strategic goals. Key Requirements: Significant experience in product management for mobile applications (fintech, e-commerce, or consumer services) at an Upper Senior level, with direct ownership of UX/UI outcomes. Deep understanding of customer-centric design principles and the ability to balance user needs with business goals, risk constraints, and technical feasibility. Upper-intermediate English or higher (both spoken and written) — required for communication with international teams and headquarters. Strong analytical skills: ability to work with mobile analytics, funnels, heatmaps, and user session data to drive decisions. Excellent taste in product design, attention to visual and interaction detail, and the ability to recognize what makes an interface truly user-friendly. Out-of-the-box thinking, flexibility, and capacity to manage multiple initiatives in a fast-moving environment. Advanced soft skills: clear communication, empathy, and the ability to inspire designers and engineers around a shared product vision. What We Offer Remote or hybrid work format, with business trips as required. Official employment under local labor law; contractor arrangements available for candidates from other countries. The chance to define the mobile experience for a strategically important Near Prime segment in Mexico, impacting thousands of customers daily. A data-informed, design-driven culture that values experimentation, user feedback, and continuous improvement. Close collaboration with local and international teams, with full ownership of the mobile product experience and its business outcomes.

Location: Ciudad de México, Mexico Workplace: on-site We are looking for a highly analytical and detail-oriented Senior Accountant to join our Finance team. This role will be responsible for ensuring the accuracy and integrity of the company's financial records, supporting month-end and year-end closing activities, managing banking reconciliations, payroll accounting, and contributing to financial reporting. The ideal candidate has strong technical accounting knowledge, excellent analytical skills, and experience working in fast-paced environments. General Accounting Maintain accurate and timely accounting records in accordance with applicable accounting standards and company policies. Prepare and review journal entries, accruals, provisions, and account reconciliations. Support monthly, quarterly, and annual financial closing processes. Ensure the integrity of the general ledger and investigate accounting discrepancies. Monitor balance sheet accounts and perform detailed reconciliations. Banking & Card Reconciliations Perform daily and monthly bank reconciliations across multiple accounts. Reconcile credit card (TDC) transactions, payment processors, and merchant settlements. Identify, investigate, and resolve discrepancies between bank statements, accounting records, and operational systems. Monitor cash movements and support treasury-related activities. Ensure the proper recording of customer payments, refunds, chargebacks, and banking fees. Payroll Accounting Support payroll accounting processes by validating payroll calculations, taxes, employee benefits, and deductions. Record payroll-related journal entries and ensure accurate accounting treatment. Reconcile payroll accounts and statutory liabilities. Coordinate with HR and external payroll providers to ensure accurate and timely payroll processing. Monitor payroll provisions, vacation accruals, bonuses, and other employee-related liabilities. Financial Reporting & Analysis Prepare monthly financial reports and supporting schedules for management. Analyze financial information and identify unusual variances or trends. Provide recommendations to improve accounting processes and financial controls. Support budgeting and forecasting activities when required. Assist in preparing reports for senior management, investors, and auditors. Internal Controls & Compliance Ensure compliance with internal accounting policies and regulatory requirements. Support internal and external audits by preparing schedules and responding to audit requests. Maintain proper documentation for accounting transactions. Participate in implementing and strengthening internal controls. Ensure accounting documentation is complete, organized, and audit-ready. Cross-functional Collaboration Partner closely with Finance, Operations, Customer Service, Product, and other business teams to ensure accurate financial reporting. Support new product launches by evaluating accounting impacts. Collaborate with external vendors, banks, auditors, and tax advisors when necessary. Provide accounting guidance to stakeholders across the organization. Process Improvement Identify opportunities to automate accounting processes and improve operational efficiency. Participate in ERP implementations, system improvements, and process optimization initiatives. Develop standardized procedures and documentation for accounting operations. Leverage accounting software such as CONTPAQ, NOI, SAP, Oracle, NetSuite, or other ERPs to streamline workflows. Communication Prepare financial reports and presentations in both Spanish and English. Communicate accounting matters effectively with local and international stakeholders. Support meetings with auditors, finance leadership, and external partners when required. Qualifications Bachelor's degree in Accounting, Finance, or related field. CPA (or equivalent certification) is a plus. 3–5+ years of progressive accounting experience. Experience in financial services, fintech, banking, or high-growth companies is preferred. Strong knowledge of accounting principles and financial reporting. Advanced Excel skills (Pivot Tables, Power Query, Lookups, financial modeling). Experience with ERP systems (CONTPAQ, NOI, SAP, Oracle, NetSuite, Dynamics, or similar). Experience with banking reconciliations, payroll accounting, and financial analysis. Strong analytical, organizational, and problem-solving skills. High attention to detail and ability to manage multiple priorities. Advanced English (written and spoken) required.

Location: Ciudad de México, Mexico; Moscow, Russia; St. Petersburg, Russia Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We are looking for a strong Lead Product Manager to lead the development and growth of our credit card portfolio across multiple risk and customer segments. You will own the product strategy, P&L, end-to-end customer experience, and technical roadmap for products including Credit Builder, fixed-fee and progressive-fee cards, and grace-period and non-grace-period offerings. You will design the product ladder that enables customers to upgrade based on their payment behavior and risk profile. This is a role for someone who can simultaneously manage product strategy, customer experience, unit economics, risk, and technical delivery — not a coordinator of isolated tasks, but a product owner who defines what we build and why, proves the business case, prioritizes ruthlessly, and delivers measurable results. The role implies close collaboration with the local team in Mexico and international headquarters. Relocation support to Mexico or Serbia is available for the right candidate. Key Responsibilities: Product Strategy & Portfolio Design: Define and evolve a multi-segment credit card lineup: Credit Builder, fixed-fee, progressive-fee, grace-period and non-grace-period products. Build a clear product ladder with transparent rules for customer migration between cards and tiers based on payment behavior, risk, and card usage. Pricing & Fee Model Development: Design and refine pricing mechanics including fixed fees, progressive fees, interest-based pricing, grace periods, minimum payments, cash withdrawal fees, and transfer fees. Ensure the tariff structure balances customer appeal with portfolio profitability. P&L Ownership & Unit Economics: Take full responsibility for product profitability. Model and optimize the funnel from acquisition and onboarding through utilization, average debt, ARPU, risk cost, funding cost, fee income, and operating expenses. Risk & Portfolio Collaboration: Partner with Risk teams on customer segmentation, credit limits, approval strategy, risk-based pricing, vintage analysis, and migration rules between products. Ensure product mechanics drive the right customer behavior without compromising portfolio quality. Lifecycle & Customer Experience Management: Own the full customer journey from acquisition and onboarding to activation, regular usage, limit increases, retention, and cross-sell. Deliver a seamless, digital-first experience at every stage. Growth & Killer Features: Analyze customer data, competitor offerings, and global best practices to identify features that can materially shift conversion, usage, profitability, or retention — not just expand the backlog. Roadmap Prioritization: Build and defend the product roadmap based on financial impact, customer value, risk, technical complexity, and team capacity. Make hard trade-offs and communicate the rationale clearly. Metrics & Experimentation: Establish product KPIs, formulate hypotheses, design A/B tests and pilots, analyze results, and make data-driven scale-or-kill decisions. Technical Leadership: Understand the credit product architecture — billing, fee and interest calculation, card processing, payment cycles, account statuses, and third-party integrations — to effectively collaborate with engineering teams. End-to-End Launch Management: Develop business requirements, CJMs, tariff structures, legal documentation, operational processes, and system logic; drive products from concept to live delivery. Cross-Functional Collaboration: Work daily with IT, Risk, Finance, Operations, Marketing, Legal, and HQ stakeholders. Prepare and defend product decisions in front of leadership and shareholders. Team & Process Development: Set tasks for analysts, designers, and developers; ensure delivery quality; and build a transparent product management process. Key Requirements: Strong experience in managing credit cards, credit lines, or other unsecured consumer lending products end-to-end — from strategy and financial modeling to launch, scaling, and portfolio management. Ability to independently build and defend a credit product’s financial model, identify key profitability drivers, and find ways to improve unit economics. Solid understanding of credit risk, segmentation, approval strategy, credit limits, vintage analysis, and how product mechanics influence customer payment behavior. Technical fluency to collaborate with IT on business and system logic: billing, processing, fee calculations, payment cycles, integrations, and product status management. Strong data skills: work confidently with funnels, cohorts, and experiments; distinguish causation from correlation and make decisions based on metrics. Proven prioritization discipline: ability to select a few highest-impact initiatives, say no to weak ideas, and protect the roadmap. Clear communication: able to explain complex product and financial mechanics to leadership, risk, IT, and other stakeholders concisely. Fluent Russian — mandatory. English at upper-intermediate level or higher (spoken and written) — required. Spanish is a plus but not required. What We Offer Remote or hybrid work format — specific location and arrangement discussed individually with the right candidate. Relocation support to Mexico or Serbia for candidates who are a strong fit. Official employment or contractor arrangement depending on location and local regulations. The opportunity to own and shape a complete credit card portfolio in a high-impact, expanding market. A data-driven, entrepreneurial environment where product decisions translate directly into business results and customer growth. Cross-functional collaboration with local and international teams, with direct exposure to HQ leadership.

Location: Buenos Aires, Argentina; Ciudad de México, Mexico; Bogotá, Colombia; Moscow, Russia; Belgrade, Serbia; Caracas, Venezuela, Bolivarian Republic of Workplace: remote At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We are looking for a strong Product Manager to lead the development and growth of our cash loans and credit lines portfolio for the Near Prime segment. You will be fully responsible for building and scaling these products, owning their P&L, and delivering a seamless customer experience across every touchpoint. This is a role for someone who can balance customer desirability, technological feasibility, and business profitability — turning constraints into competitive advantages. The role is mostly remote, with business trips when required. Key Responsibilities: Define product strategy and roadmap for Cash Loans and Credit Lines tailored to Near Prime customers, based on market analysis and competitive monitoring. Design compelling value propositions that balance customer attractiveness with tech feasibility, regulatory constraints, and financial efficiency. Own full product P&L and key performance metrics: time-to-yes, time-to-cash, activation and usage rates, balance per customer, profitability, vintage risk quality, and attrition. Initiate data-driven changes to meet target KPIs. Architect end-to-end customer journeys, covering legal, financial, and technology layers to ensure seamless onboarding and lifecycle management — from acquisition and activation to active usage and retention. Develop partnership integration concepts with online/offline retailers and other channels to drive customer acquisition. Continuously analyze and improve unit economics (UE) for each product, increase customer segment LTV, and boost overall portfolio efficiency. Build and manage end-to-end product management processes for the Cash Loans and Credit Lines stream. Define a success matrix for new products and initiatives. Collaborate cross-functionally with risk, marketing, IT, finance, and legal teams (both locally and with headquarters). Collect and incorporate feedback from all stakeholders. Drive continuous improvement of customer experience (CJM) through product and process optimization. Ensure new features and products meet cost, quality, and performance targets. Key Requirements: Solid experience in consumer lending (Cash Loans, Credit Lines, Credit Cards, PDL, or other unsecured credit) on the business or risk management side — mandatory. Deep understanding of adjacent functions: risk management, marketing, and IT. Strong upper-intermediate English (both spoken and written) — required for regular communication with international teams and HQ. Powerful analytical skills, out-of-the-box thinking, and flexibility. Ability to work effectively in a fast-paced, multitasking environment. Openness to new ideas, genuine desire to learn, advanced communication and soft skills. What We Offer Remote work format, with office/on-site options when needed. Official employment under local labor law; contractor arrangements available for candidates from other countries. Opportunity to shape a strategically important product line in an international fintech environment. Data-driven culture where your decisions directly impact business growth and customer outcomes. Autonomy to build processes from scratch and drive meaningful innovations in the Near Prime lending space.