Belvo Technologies, Inc.

Powering Latin America's Open Finance Revolution

Belvo is fundamentally transforming how financial data and payments flow across Latin America, serving as the critical connective tissue for a rapidly modernizing financial ecosystem. Founded in 2019, the company has rapidly established itself as the premier open finance connectivity layer in the region, processing over $500 million in annualized Total Payment Volume (TPV) and connecting more than 50 million individuals and businesses. By providing a robust, secure API infrastructure, Belvo enables financial innovators—ranging from agile fintech startups to established banking giants like BBVA, Santander, and Bradesco—to seamlessly access user financial data (banking, fiscal, and employment) and initiate account-to-account payments. This foundational work is not just about technology; it is about reshaping the economic realities of millions of people across diverse markets.

The company's mission is clear: to democratize access to financial services in Latin America. In a region historically characterized by high unbanked populations, fragmented financial infrastructure, and significant barriers to entry for new market participants, Belvo's technology acts as a critical enabler for financial inclusion. For instance, their data aggregation tools allow lenders like Mercado Libre and Facio to verify income in real-time, significantly streamlining onboarding processes, reducing credit risk, and ultimately extending fairer credit to previously excluded populations. With a recent $15 million Series B funding round in April 2025, Belvo is doubling down on its AI capabilities and expanding its next-generation payment solutions, such as Pix Automático in Brazil and Direct Debit in Mexico. This continued investment underscores the massive market opportunity and the strategic importance of building resilient infrastructure that can scale alongside the region's booming digital economy. The challenges are significant, requiring deep technical expertise and a nuanced understanding of varying regulatory frameworks, but the potential impact is transformative.

A Culture of Ownership and Relentless Curiosity

Belvo’s culture is anchored in a pragmatic, "get things done" mindset balanced with a deep commitment to continuous learning and intellectual humility. The company operates as a "KISStartup" (Keep It Simple, Startup), focusing on building impactful solutions with high accountability and minimal bureaucratic overhead. Employees, known internally as "Belvoers," are encouraged to take ownership of their work, supported by a structure that values transparency, autonomy, and cross-functional collaboration. This means that individuals are expected to not only execute on their immediate tasks but also to proactively identify systemic issues and propose scalable solutions. The environment is designed to foster a sense of shared purpose, where every team member understands how their contributions drive the company's broader mission.

The environment thrives on "relentless curiosity," where innovators are empowered to challenge the status quo and find creative solutions to complex infrastructural problems. This is coupled with a strong emphasis on constant growth—both personal and professional. Belvo invests heavily in its team's development through dedicated training budgets, mentorship programs, and regular knowledge-sharing sessions. Furthermore, the company places a high premium on diversity, inclusion, and equity, actively working to build a team that reflects the diverse markets they serve across Latin America. They recognize that building inclusive financial infrastructure requires diverse perspectives and a deep empathy for the end-users. Above all, Belvo fosters a fun-loving atmosphere where tackling massive, systemic challenges is paired with celebrating milestones together, often highlighted during their yearly company offsites, which serve to reinforce team bonds and align everyone around the strategic vision for the year ahead.

What You'll Actually Do

Working at Belvo means getting into the "infrastructure trenches" to build scalable, secure, and high-performance systems that form the backbone of modern financial services. Depending on your role, the day-to-day realities involve solving complex technical and operational challenges that have immediate, real-world implications for millions of users across Latin America. The work requires a unique blend of technical rigor, strategic thinking, and a deep appreciation for the complexities of financial data.

* Engineering & Product: You will be architecting and maintaining the core API platform that handles millions of requests and processes significant payment volumes with uncompromising reliability. Software engineers (often full-stack) focus on building resilient, event-driven systems, ensuring idempotency, and optimizing retries for payment processing. The engineering team prioritizes long-term maintainability of the tech stack, recognizing that foundational infrastructure must be built to last. Product managers work closely with engineering to launch and scale new features, such as advanced AI-driven underwriting models or new payment rails like Biometric Pix. This involves navigating complex trade-offs between speed to market, technical debt, and regulatory compliance, ensuring that every product release delivers tangible value while maintaining the highest standards of security and performance.

* Go-to-Market (Sales & Marketing): Enterprise Account Executives and Sales Managers focus on expanding Belvo's footprint by partnering with top-tier financial institutions and major tech companies. The sales cycle involves consultative selling, understanding the deep technical and regulatory requirements of clients, and demonstrating the ROI of open finance integration. This requires not only a strong grasp of the product's technical capabilities but also the ability to articulate complex value propositions to diverse stakeholders, from CTOs to compliance officers.

* Operations & Integration: Integration Engineers and Customer Success Managers act as the crucial bridge between Belvo's technology and the clients' systems. You will guide clients through complex API integrations, troubleshoot technical issues, and ensure smooth deployments. This role demands exceptional communication skills, technical troubleshooting prowess, and a deep commitment to customer success, as the reliability of Belvo's platform is directly tied to the success of its clients.

Across all roles, the work is fast-paced, highly collaborative, and deeply impactful, directly contributing to the modernization of Latin America's financial ecosystem. You will be expected to navigate ambiguity, adapt to rapidly changing market conditions, and consistently deliver high-quality work under pressure.

Compensation & Benefits

Belvo offers a comprehensive and competitive benefits package designed to support employees' well-being, growth, and work-life balance, recognizing that building complex infrastructure requires a sustained, focused effort from a highly motivated team. While specific salary ranges are not publicly disclosed and vary by location and role, the company provides a robust suite of perks that reflect its commitment to employee success and holistic well-being.

* Equity: Stock options are a core component of the compensation package, aligning employees with the company's long-term success ("We're all owners"). This equity component is designed to ensure that those who contribute to building the foundational infrastructure of Latin America's financial future share in the value they help create.

* Flexibility: A strong remote-friendly culture allows employees to work from anywhere, supported by stipends for home office setups or coworking spaces. They also offer flexible bank holidays and working hours, empowering individuals to manage their time in a way that maximizes productivity and minimizes burnout.

* Time Off: Generous vacation policies include "Loyalty leave" (earning extra time off as tenure increases) and paid time off on birthdays, ensuring that employees have ample opportunity to rest and recharge.

* Health & Wellness: Comprehensive paid private health insurance and dedicated wellness stipends to support physical and mental health, recognizing the demanding nature of the work and the importance of holistic well-being.

* Growth: Dedicated training budgets for professional development and referral bonuses for bringing in new talent, reflecting the company's commitment to continuous learning and building a high-performing team.

The Interview Process

The interview process at Belvo is consistently described by candidates as structured, transparent, and highly professional, typically taking an average of 25 days from application to offer. The company emphasizes a candidate-friendly experience, with a 94% positive rating on Glassdoor, reflecting a deep respect for candidates' time and a commitment to clear, honest communication throughout the process. The process generally consists of 3 to 5 distinct stages, designed to rigorously assess both technical capabilities and cultural alignment:

1. Initial Screening: A conversation with a recruiter (often 30-45 minutes) focusing on your background, motivation for joining Belvo, and alignment on expectations (including compensation and working model). This stage is crucial for establishing mutual fit and ensuring that candidates have a clear understanding of the role and the company's culture.

2. Technical/Functional Assessment: For engineering roles, this involves a deep dive with two engineers focused on real-world architectural decisions (e.g., event-driven systems, API design, handling edge cases in payment processing) rather than abstract algorithmic puzzles. The goal is to evaluate how candidates approach complex, systemic problems and their ability to articulate technical trade-offs. Non-technical roles typically require a practical business case presentation or a take-home assignment relevant to the position, designed to assess strategic thinking and execution capabilities.

3. Cultural & Leadership Fit: Interviews with engineering or departmental leadership to assess alignment with Belvo's core values, problem-solving approach, and ability to handle failure and ambiguity. This stage explores how candidates collaborate, their intellectual humility, and their resilience in the face of significant challenges.

4. Final Round: A final conversation with senior leadership (often including the Co-CEOs for key roles) focusing on long-term vision, strategic judgment, and overall fit. This is an opportunity for candidates to ask high-level questions and ensure that their career aspirations align with the company's trajectory.

5. Reference Checks & Offer: Two reference calls are typically conducted before the final verbal offer is extended, providing a final layer of validation and ensuring a strong fit.

Candidates appreciate the thoughtful questions and the clear communication regarding career progression right from the early stages of the interview process, which sets a strong foundation for mutual success.

Why Join / Why Not

Why Join:

Belvo is an exceptional opportunity for individuals who want to be at the forefront of the fintech revolution in Latin America. If you are motivated by massive scale—processing millions of transactions and connecting millions of users—and want to build foundational infrastructure that drives financial inclusion, Belvo is the place to be. The company offers a strong engineering culture focused on pragmatic, high-quality solutions, backed by top-tier investors (Y Combinator, Kaszek, Quona Capital). The remote-friendly environment, combined with comprehensive benefits and a culture of ownership, makes it highly attractive for autonomous, driven professionals who thrive on solving complex, systemic problems. Joining Belvo means contributing to a mission that has tangible, positive impacts on the economic lives of millions, working alongside a talented team that is deeply committed to continuous learning and mutual support.

Why Not:

Working in the "infrastructure trenches" of financial technology is inherently complex and high-stakes. The environment requires navigating fragmented legacy systems, evolving regulatory landscapes across multiple countries, and ensuring absolute security and reliability. The pressure to deliver robust, scalable solutions under tight deadlines can be intense. If you prefer highly predictable, slow-paced environments, or if you are uncomfortable with the ambiguity and rapid context-switching inherent in a scaling startup, Belvo might not be the right fit. Furthermore, while they are remote-friendly, the core operational focus is strictly on Latin America, which may require aligning with specific time zones and regional market nuances. The work demands a high degree of resilience, intellectual flexibility, and a willingness to embrace continuous change, which may not align with everyone's career preferences.