Authorization Manager

Description

**About Elo** **We are a 100% Brazilian company!** Elo is one of the leading payment technology companies in Brazil. With over ten years of history and more than 43 million active cards issued in partnership with 38 issuers. With our innovative, Brazilian DNA, our mission is to foster digital payments inclusion in Brazil. We offer a comprehensive portfolio of credit, debit, prepaid, and specialized cards for individuals and businesses. Additionally, we design customized solutions for enterprises—whether through our tokenization and fraud prevention platforms, contactless payments via QR Code and NFC, or our specialized consulting services aimed at generating more business for our partners. We respect individuality and promote an inclusive culture focused on equity and valuing differences (e.g., gender, religion, persons with disabilities, LGBTQIAP+, race and ethnicity). All our job openings uphold this commitment. Want more information about Elo? Visit: https://www.elo.com.br/ Interested? Then come learn more about the challenge we have for you! **Our Authorization Team handles:** * Authorization performance management * Definition and execution of authorization strategies * Governance and regulatory compliance **Responsibilities and duties** *As Authorization Manager, you will:* * Balance approval rate improvement and risk control * Maximize authorization rates without compromising fraud, chargeback, and financial exposure levels. * Reduce friction in the payment journey * Address root causes of declines, systemic failures, and processing inconsistencies across physical and digital environments. * Orchestrate multiple stakeholders with distinct interests * Lead technical and strategic alignment among issuers, acquirers, card networks, and internal departments. * Respond swiftly to crisis scenarios * Manage authorization incidents, performance drops, or systemic outages with agility, accuracy, and governance. **Requirements and qualifications** *For this challenge, we require you to have knowledge of:* * Payment ecosystem: **issuers, acquirers, card networks, sub-acquirers, and fintechs**. * Authorization flows (on-us / off-us), environments **CP, CNP, and international**. * Authorization performance metrics, TPV, 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 root cause identification of declines. * Use of **artificial intelligence and analytical models** for: * Detection of transactional behavior patterns * Optimization of authorization rules * Support for decision-making in risk and fraud scenarios * Familiarity with **machine learning, automation, and BI tools**. * Understanding of system integrations, authorization messaging, and certification and production environments. **Additional information** **To work at Elo, we seek people who:** * Demonstrate proactive attitudes and strive to exceed results; * Respond quickly to change, focusing on simplicity in executing their work; * Collaborate effectively as part of a team, sharing knowledge and recognizing each colleague’s performance and importance; * Value open dialogue and honest feedback; **This reflects our cultural pillars: “Team Player, Exceed Results, Innovate & Experiment, Customer-Centric, Play Fair”.** **At Elo, culture represents our “Elo Way” of making things happen!** **Check out our benefits and perks:** * Profit Sharing Program (PPR); * Health insurance (Bradesco – Co-payment); * Optional dental insurance (Bradesco); * Life insurance (Banco do Brasil); * Optional private pension plan (employee contribution up to 7.8% of salary; Elo contribution between 100% and 200%, subject to plan rules); * Meal/food allowance of BRL 1,800.00; * Free balance of BRL 150.00 for use with credit functionality; * Christmas Card worth BRL 850.00; * Remote Work Allowance (BRL 200.00 for hybrid model; BRL 300.00 for fully remote); * Mobility Allowance of BRL 400.00; * Daycare Assistance for mothers and fathers; * Culture Allowance (to be used at theaters, cinemas, or bookstores); * Extended Parental Leave (for same-sex couples, fathers, adoptive parents, etc.); * Birthday Day Off; * Well-being platform focused on mental and nutritional health; * WellHub and TotalPass (network of gyms and studios for sports activities). **Important:** **Our company offers three work models: hybrid, in-office, and fully remote—but please note that the adopted work model may vary depending on the specific dynamics and needs of each department.** **Our office is located in Barueri/SP, at Alameda Xingu, 512 – Alphaville Industrial.** We are one of the leading payment technology companies in Brazil, with over ten years of history and more than 43 million active cards issued in partnership with 38 issuers. With our uniquely Brazilian and innovative approach, our **mission is to foster digital payments inclusion in Brazil**. We offer a comprehensive portfolio of credit, debit, prepaid, and specialized cards for individuals and businesses. Additionally, we design customized solutions for enterprises—whether through our tokenization and fraud prevention platforms, contactless payments via QR Code and NFC, or our specialized consulting services aimed at generating more business for our partners. Want more information about us? Visit elo.com.br