Staff Engineer
About the job
- Academic background oriented toward computer science, engineering, or software development disciplines.
- Develop using Java, Spring Boot, PostgreSQL, Kafka, and AWS.
- Experience with asynchronous programming.
- A track record of success in hands-on backend engineering positions.
- Experience working with domains of medium to high complexity.
- A solid understanding of how web and mobile applications work, including security, session management, and best development practices.
- Knowledge of relational database systems and object-oriented programming.
- Knowledge of Domain-Driven Design; familiarity with microservice architecture is a plus.
- Experience conducting code reviews, driving knowledge sharing, and promoting collaborative development practices.
- Ability to work and thrive in a fast-paced environment, learn rapidly, and master diverse web technologies and techniques.
- Proven ability to design complex distributed applications built for high performance and throughput while being scalable and reliable.
- Practical experience applying AI frameworks in development projects.
- Demonstrated experience profiling and performance tuning Java applications, and using monitoring tools for production application monitoring.
- Strategic thinking and problem-solving skills, with a proactive approach to identifying and addressing technical and process gaps.
- High degree of autonomy and accountability, capable of leading technical decisions and driving initiatives with minimal supervision.
- Proven mentorship capabilities, fostering the growth of junior and mid-level engineers through guidance, feedback, and pairing.
- Strong communication skills, with the ability to effectively articulate complex technical ideas to technical and non-technical stakeholders.
- Ability to collaborate cross-functionally with engineering, frontend, product, design, backend, and infrastructure chapters to deliver high-impact solutions.
- Comfort navigating ambiguity and complexity, with a mindset focused on continuous learning and system improvement.
- Demonstrated influence in shaping engineering practices and elevating team-wide technical standards.
- Alignment with company values of ownership, excellence, adaptability, and innovation.
- Lead technical initiatives, shaping project strategy and ensuring successful execution of medium- to large-scale backend projects.
- Deliver backend solutions that balance business goals, scalability, and operational efficiency.
- Operate autonomously, driving key project segments or entire projects to completion in alignment with business goals and customer needs.
- Mentor and guide engineers across levels, supporting their technical development and helping grow a culture of excellence across teams.
- Champion best practices in coding, system design, and architecture, contributing to continuous improvements in engineering methodologies.
- Work closely with cross-functional teams to deliver seamless integrations and maintain optimal system performance.
- Deliver high-quality solutions that enhance system performance, scalability, and user experience.
- Support junior or semi-senior engineers by fostering collaboration, continuous learning, and shared ownership.
- Drive the evolution of engineering practices by introducing improvements, promoting innovation, and sharing technical expertise across teams.
- Solve technical problems of the highest scope, complexity, and ambiguity.
- Promote AI-assisted engineering practices within the squad and chapter, using tools for code generation, automated refactoring, test case creation, and technical documentation; identify opportunities for AI to improve developer productivity, code quality, and team velocity.
- Drive innovation within the team by experimenting with new approaches and solving complex engineering challenges.
- Experience in Python.
- Familiarity with microservice architecture.
- Hands-on experience or practical familiarity with one or more financial domains, such as lending, payments, credit cards, open finance, fraud prevention, merchant acquiring, or investment services.
- Understanding of operational workflows, integration patterns, and data flows in financial domains, particularly where backend decisions affect performance, compliance, or financial accuracy at scale.
- Experience leading or significantly contributing to architecture and development of backend systems for real-time transaction processing, loan management engines, payment orchestration, settlement and reconciliation services, or KYC/AML-compliant onboarding pipelines.
- Experience designing secure, auditable, and scalable APIs for internal and external consumers.
- Ability to translate regulatory requirements such as PCI-DSS, GDPR, and LGPD into resilient, compliant, and high-performing backend architectures.
About the company
RecargaPay is a Brazil-based all-in-one fintech platform that enables mobile payments, bill payments, Pix transfers with a credit card, and person-to-person transfers without card machines or bank details. Its app supports purchases at merchants like iFood, Amazon, and Casas Bahias, with cashback, and also lets users buy gift cards and prepaid TV with more cashback; it also offers Prime+ for added benefits and small loans. The service differentiates itself by allowing credit-card–backed Pix payments, a broad set of merchant partnerships, generous cashback on various purchases, and licensing as a Direct Credit Society to expand lending. Its goal is to become the leading platform for payments, transfers, savings, and small credit in Brazil, expanding its user and merchant base while broadening its financial services.
Company Size
501-1,000
Company Stage
Debt Financing
Total Funding
$165.1M
Headquarters
São Paulo, Brazil
Founded
2010
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Simplify's Take
What believers are saying
- RecargaPay said 13 million customers and launched Titan card in January 2026.
- The company opened insurance and investment products in 2026, widening monetization.
- Remote team scale and reported profitability since 2022 support expansion without immediate capital strain.
What critics are saying
- Nubank, Mercado Pago, and banks can commoditize payments and squeeze fees quickly.
- Credit expansion brings delinquency and funding risk if Brazil's consumer downturn hits 2026.
- If Pix economics tighten, RecargaPay's fee engine loses its core growth lever.
What makes RecargaPay unique
- Brazil-native all-in-one payments platform spans Pix, bills, lending, and cashback.
- Regulatory breadth deepened after Banco Central approved its Sociedade de Crédito Direto.
- Prime+, cards, CDBs, and insurance create a sticky cross-sell ecosystem.
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Benefits
Health Insurance
Dental Insurance
Life Insurance
Meal Benefits
Remote Work Options
Home Office Stipend
Wellness Program
Gym Membership
Growth & Insights and Company News
6 month growth
1%1 year growth
0%2 year growth
1%Clara strengthens Brazilian operations with two new female leaders. The hires come with the mission of building the structures that will sustain Clara's next phase of growth in the country. 22/05/2026 11:20 Clara, the leading corporate payment and expense management solution in Latin America, announces the hiring of two senior executives for its Brazilian operations: Mariana Cardarelli takes on the role of Head of Regulatory Affairs and Bruna Miguel as Head of Customer Success (CSM), responsible for client relations. Mariana Cardarelli joins Clara after a stint at RecargaPay, where she worked for three years as Executive Manager of Compliance, Privacy and Data Protection, also serving as DPO (Data Protection Officer). In that position, she led the structuring of the LGPD compliance program, data governance and the implementation of artificial intelligence frameworks aligned with ethical and regulatory standards. Before that, she was Head of Legal, Compliance and DPO at BT Créditos. At Clara, Mariana takes charge of the regulatory area in the country with the challenge of navigating an increasingly complex ecosystem. Bruna Miguel, meanwhile, brings over a decade of experience in the financial sector, with stints at institutions such as Banco BV, Getnet, Itaú Unibanco and Santander. At Banco BV, she held commercial leadership positions in Cash Management, Banking as a Service and the Bankly platform, leading negotiations with large corporate accounts and leading multidisciplinary sales and customer success teams. She also worked at Fintech Magalu, where she structured B2B customer segmentation and led Key Accounts projects. At Clara, Bruna takes on strategic client management, ensuring retention, expansion and excellence in the platform experience. The hires are part of a deliberate move by Clara to bring in leaders capable of sustaining the company's expansion pace in Brazil. The fintech has significantly expanded its product range, incorporating solutions based on artificial intelligence, such as integrations via MCP (Model Context Protocol), agentic payments and automated financial analysis tools, in addition to a digital account with a complete structure for supplier automation and accounts payable. With the sophistication of the portfolio, the regulatory complexity also grows, as does the need for key client management that keeps pace with the adoption of these new solutions. It is exactly at this intersection that Mariana and Bruna come in: the first to continue evolving the legal and regulatory architecture in this expansion context, the second to ensure that the largest clients extract real value from the new products. 'We have prioritized people with a builder profile, who come to build frameworks, not just operate existing ones. Mariana and Bruna have this mindset. Inclusivity is one of our core values, and having women build the structures that will redefine corporate financial management in Latin America is a direct reflection of how we think about growth', says Gerry Giacomán Colyer, co-founder and CEO of Clara. Startups is part of the routine of more than 30 thousand decision-makers. Are you going to miss out?
Rodrigo Teijeiro maps RecargaPay’s journey, the unique opportunities in LatAm fintech, and his thoughts on building a global business from MiamiBy Riley KaminerRodrigo Teijeiro, founder and CEO of RecargaPay, has navigated two decades in fintech to build RecargaPay into one of Brazil’s leading payment platforms. RecargaPay has transformed how Brazilians handle their finances, from basic bill payments to complex buy-now-pay-later (BNPL) purchases – a service used by around 80% of Brazilian credit card holders. In 2023, the company reached over $200 million in revenue, marking 55% year-over-year growth and projecting similar gains for 2024. RecargaPay has been profitable, with positive cash flow, since 2022. The fully remote team of 600 employees supports RecargaPay’s over 9 million clients. The company has raised $152 million in total funding, including from Miami investors IDC Ventures, Fuel Venture Capital, TheVentureCity, and serial entrepreneur Martin Varsavsky.We sat down with Teijeiro to discuss RecargaPay’s growth story, the landscape of fintech in Brazil, and his advice for Miami’s budding tech entrepreneurs.This interview has been condensed and edited for clarity.Refresh Miami: Tell us about RecargaPay’s journey. What inspired you to create this platform?Rodrigo Teijeiro: I’ve been in this industry for over 20 years, but RecargaPay’s journey really started back in 2010. At the time, we ran one of the largest social networks in Latin America and a calling card business
Welcome to the LatamList roundup, your bi-monthly summary of the Latin America startup scene.In the first half of February, major headlines featured companies like Amazon and Nubank. Here are the product launches, partnerships, and expansions we saw in the last two weeks.PartnershipsLending and payments fintech Kueski announced a partnership to offer ‘Buy Now Pay Later’ payment plans to Amazon clients in Mexico. Read more at Latamfintech Hub.Argentinian payment startup N1u partnered with GOcuotas to offer installment plans to its clients in the gaming space. Read more at Latamfintech Hub.Rivium, an investment app for the US stock market, sealed a partnership to integrate its investing offerings with Now‘s multi-product digital banking solution in Mexico. Read more on Latamfintech Hub.Mexican fintech Bonanza launched three virtual credit cards in collaboration with Pomelo, aiming to help individuals build a credit history without incurring debt. Read more at Latamfintech Hub.Tapi, an Argentinian payment technology startup, announced a partnership with payment processing solution PESPay to incorporate Cash In and Cash Out services in its suite of offerings
The operation was structured by Milenio Capital, a fund manager focused on the credit segment. With the funds, RecargaPay intends to expand its loan offer.
By Nancy DahlbergFuel Venture Capital, the Miami-based firm that has invested $100 million into South Florida startups and millions more around the world, is launching its Flagship Fund II.The global early-stage investment firm is aiming to raise $300 million for the Flagship Fund II and will target disruptive technology companies that transform how businesses and consumers transact, consume, work and enjoy their life, said Jeff Ransdell, Founding Partner and Managing Director of Fuel Venture Capital. The newest fund will focus on fintech, enterprise SaaS, consumer tech and sports and entertainment tech.Flagship Fund II has been seeded with seven companies, all previously backed by Fuel Venture Capital. Those startups, Betr, RecargaPay, Soundtrack Your Brand, Curve, CookUnity, AEXLAB and NovoPayment, received the first $25 million in the fund. Plans are to invest in 25 more companies, with some already in due diligence; then there will be funds available for doubling down. “What ends up happening is we invest our capital over a five-year investment period; the first 24 months is to construct the portfolio, and then the following three years is to follow on,” said Ransdell, in an interview with Refresh Miami.It’s actually Fuel VC’s fourth fund. The firm launched its first Flagship Fund, about $162 million, in 2017, then it opened a specialized fund called the Fintech Growth Fund, as well as its Opportunity Bundle that is an open-ended fund that allows its investors to back specific companies and create their own venture portfolios