How to Apply to Xpinc

9 min read Last updated March 7, 2026 252 open positions
Blake Crosley
Blake Crosley Researched using publicly available information, hiring data, and ATS analysis.

Key Takeaways

  • Study XP's ecosystem before applying — understand how XP Investimentos, Rico, Clear, and InfoMoney interconnect, and position your experience within the specific brand or business unit you're targeting
  • Embed regulatory and industry-specific keywords (CVM, ANBIMA, LGPD, FIDC, CRI, PLD/FT) throughout your resume to pass Greenhouse's keyword filtering and signal domain expertise
  • Obtain or highlight relevant certifications (CEA, CGA, CPA-20, CFA, CFP) prominently — these are often hard requirements for financial roles and are among the first things XP recruiters search for
  • Prepare 3-5 specific stories that demonstrate ownership mentality, client impact, and decision-making under uncertainty — these are the behaviors XP's culture interviews are designed to surface
  • Answer every screening question in Greenhouse thoroughly and specifically — these are a first-pass filter and incomplete applications are typically deprioritized
  • Tailor each application individually if applying to multiple XP roles — Greenhouse tracks all your submissions and recruiters will notice generic or copy-pasted responses
  • Follow up professionally after interviews but respect the process timeline — XP's hiring cycles typically run 3-6 weeks and persistence without impatience signals maturity

About Xpinc

XP Inc. (Xpinc) is one of Brazil's largest and most transformative financial services platforms, founded in 2001 with a bold mission: to democratize access to investments and financial products that were historically reserved for the ultra-wealthy. Publicly traded on NASDAQ since 2019, XP operates through a powerful ecosystem of brands including XP Investimentos, Rico, Clear, and the financial media platform InfoMoney, collectively serving millions of clients across Brazil. The company disrupted the traditional dominance of Brazil's major banks by offering an open-platform model where clients can access products from hundreds of asset managers, insurers, and financial institutions — all in one place. XP's culture is deeply entrepreneurial, fast-paced, and results-driven, often described internally through core values like 'sonho grande' (dream big), ownership mentality, and a relentless focus on the client experience. Working at XP means joining a company that operates at the intersection of finance and technology, where teams tackle challenges ranging from AI governance and credit analysis to private pension strategy and fiduciary administration. With 252+ open openings spanning junior to senior roles across compliance, infrastructure, accounting, commercial strategy, and corporate governance, XP is actively scaling across virtually every function. The company attracts talent who thrive in high-performance environments, are comfortable with ambiguity, and want to be part of reshaping how Brazilians relate to their money. For professionals in the financial services and fintech space, XP represents one of the most dynamic and career-accelerating employers in Latin America.

Application Process

  1. 1
    Explore Open Roles on XP's Greenhouse-Powered Careers Page

    Visit XP Inc.'s official careers portal, which runs on Greenhouse, to browse the 252+ open positions. Roles are typically categorized by area (Compliance, Technology, Commercial, Accounting, Corporate Governance, etc.) and seniority level (Júnior, Pleno, Sênior). Use filters strategically — XP posts roles across multiple brands including XP Investimentos, Rico, Clear, and InfoMoney, so filter by team or keyword to find the best match.

  2. 2
    Create Your Greenhouse Profile and Submit Your Application

    Greenhouse will prompt you to create a candidate profile, upload your resume (PDF is safest for formatting), and complete application-specific fields. Many XP roles include custom screening questions — for example, a Compliance Analyst role may ask about your experience with CVM regulations or ANBIMA certifications. Answer these thoroughly, as recruiters often use them as a first-pass filter before reviewing your full resume.

  3. 3
    Complete Any Online Assessments or Case Studies

    For many roles, particularly in credit analysis, accounting, and commercial strategy, XP commonly includes technical assessments or business case exercises early in the process. These may be sent via Greenhouse's integrated assessment tools or through a separate platform link. Expect scenarios grounded in real XP business contexts — such as analyzing a securitization structure or building a client acquisition strategy for private pension products.

  4. 4
    Initial Recruiter Screening Call

    A talent acquisition partner will typically reach out to schedule a 30-45 minute screening call, often conducted in Portuguese. This conversation covers your background, motivation for joining XP specifically, salary expectations, and cultural alignment. Be prepared to articulate why XP's mission of democratizing financial access resonates with you and how your experience maps to the role's core requirements.

  5. 5
    Technical or Functional Interview with the Hiring Manager

    This deeper-dive interview focuses on your domain expertise. For a DBA Oracle Senior role, expect hands-on technical questions about database architecture and performance tuning. For a Governance Analyst role, prepare to discuss regulatory frameworks (LGPD, CVM, BACEN). XP hiring managers are known for probing not just what you know, but how you apply it under pressure and at scale.

  6. 6
    Culture Fit and Leadership Panel Interview

    XP places enormous weight on cultural alignment. This round typically involves meeting senior leaders or cross-functional stakeholders who assess whether you embody XP's core values: ownership, client obsession, entrepreneurial spirit, and a 'dream big' mentality. Expect behavioral questions framed around high-performance scenarios, team collaboration, and how you handle ambiguity in fast-moving environments.

  7. 7
    Offer, Background Check, and Onboarding

    Successful candidates receive an offer through Greenhouse's offer management system. XP typically conducts background checks and may verify professional certifications (CEA, CGA, CFA, ANBIMA certifications, etc.) relevant to regulated financial roles. Onboarding is structured and immersive, often including orientation sessions that reinforce XP's culture, compliance obligations, and the broader ecosystem of products and brands you'll be working within.

Resume Tips for Xpinc

critical

Lead with Financial Services and Regulatory Keywords

XP operates in a heavily regulated environment overseen by CVM, BACEN, ANBIMA, and SUSEP. Your resume must include specific regulatory bodies, frameworks, and compliance standards relevant to your target role. For example, if applying for the Compliance Analyst role in Asset/Fiduciary Administration, mention experience with ICVM 555, LGPD, anti-money laundering (PLD/FT), and fiduciary governance. Greenhouse's keyword parsing will flag resumes that match the job description's terminology.

critical

Highlight Relevant Certifications Prominently

Brazilian financial services roles at XP frequently require or prefer certifications like CEA, CGA, CFA, CFP, ANBIMA CPA-10/CPA-20, or CNPI. Place these in a dedicated 'Certifications' section near the top of your resume — not buried at the bottom. Greenhouse allows recruiters to search candidate pools by keyword, and certification acronyms are among the most commonly searched terms for financial roles. If you're pursuing a certification, list it as 'in progress' with an expected completion date.

critical

Quantify Impact Using Financial Metrics

XP's culture rewards measurable results. Instead of 'managed a credit portfolio,' write 'managed a R$500M credit portfolio across 120+ institutional counterparties, reducing default rates by 15% over 18 months.' For commercial roles like the Private Pension Analyst position, quantify AUM growth, client acquisition numbers, or conversion rates. Greenhouse displays these bullet points directly to reviewers, so make each line a proof point of your impact.

recommended

Mirror XP's Bilingual Environment in Your Resume

While most XP roles are conducted in Portuguese, the company is NASDAQ-listed and operates with significant English-language documentation, investor relations, and technology platforms. If you're fluent in both languages, consider noting key technical terms in English alongside Portuguese where appropriate. For technology roles like DBA Oracle or AI Governance, English proficiency is often expected — make your language skills and comfort with English-language tools explicit.

recommended

Use Clean, ATS-Compatible Formatting

Greenhouse parses resumes effectively but struggles with multi-column layouts, embedded tables, headers/footers, and creative graphic elements. Use a single-column format with clearly labeled section headers (Experiência Profissional, Formação Acadêmica, Certificações, Competências Técnicas). Submit as PDF unless the application specifically requests .docx. Avoid using text boxes or infographic-style skill bars — they may render as gibberish in Greenhouse's parsed view.

recommended

Tailor Your Professional Summary to XP's Ecosystem

Open your resume with a 3-4 line professional summary that explicitly connects your experience to XP's business. For example: 'Analista de Crédito Sênior com 7 anos de experiência em análise de instituições financeiras e operações de securitização, com foco em estruturas de FIDC e CRI.' This signals to the recruiter — and to Greenhouse's scoring — that you understand XP's specific product lines and operational context, not just generic financial services.

nice_to_have

Showcase Experience with XP's Technology Stack Where Applicable

For technology and infrastructure roles, mention specific tools and platforms that align with XP's known stack. The DBA Oracle Senior role signals investment in Oracle database systems — list specific versions, RAC experience, Data Guard, and performance tuning expertise. For AI Governance roles, reference experience with model risk management frameworks, explainability tools, and data governance platforms. Concrete tool mentions outperform vague 'proficient in databases' claims every time.

nice_to_have

Include Cross-Functional or Multi-Brand Experience

XP's ecosystem spans investment platforms, insurance, private pension, media (InfoMoney), and banking services. If you've worked across multiple financial product lines or in matrix organizations, highlight this versatility. The Analista de Estratégia e Performance role in Corporate Governance, for example, likely requires someone who can navigate competing priorities across business units. Demonstrate your ability to work cross-functionally — it mirrors how XP operates internally.

ATS System: Greenhouse

XP Inc. uses Greenhouse as its applicant tracking system, one of the most widely adopted ATS platforms in the tech-forward financial services space. Greenhouse structures the hiring pipeline into defined stages, allows recruiters to score candidates against role-specific scorecards, and parses uploaded resumes to extract key data points like job titles, employers, skills, and education into a standardized profile.

  • Submit your resume as a PDF to preserve formatting — Greenhouse handles PDFs well but may distort complex .docx layouts
  • Use standard section headers in Portuguese or English (Experiência Profissional, Education, Certifications) so Greenhouse's parser can correctly categorize your information
  • Include exact keywords from the job description — Greenhouse enables recruiters to search and filter by specific terms like 'FIDC,' 'CVM,' 'Oracle RAC,' or 'LGPD'
  • Avoid headers, footers, tables, and multi-column layouts that can confuse Greenhouse's resume parsing engine
  • Complete every custom field and screening question — partial applications rank lower in recruiter views and may be filtered out automatically
  • If applying to multiple XP roles, tailor each application separately — Greenhouse tracks your submissions across roles and recruiters can see all your applications
  • Use standard job title formats that Greenhouse can parse (e.g., 'Analista de Compliance Sênior' rather than creative titles like 'Compliance Ninja')

Complete Greenhouse Resume Guide →

Interview Culture

XP Inc.'s interview process reflects its high-performance, entrepreneurial culture — expect a rigorous and multi-stage evaluation that assesses both technical depth and cultural alignment with equal weight. The typical process involves 3 to 5 rounds depending on the seniority of the role, spanning recruiter screening, technical assessment, hiring manager deep-dive, and a cultural or leadership panel. For technical and analytical roles — such as Credit Analysis, Accounting, or DBA positions — you'll likely face a practical exercise or case study early in the process. These are designed to simulate real work at XP: analyzing a credit structure, resolving a database performance issue, or evaluating a governance framework under time constraints. XP wants to see how you think, not just what you've memorized. The cultural interview is where many candidates succeed or stumble. XP's values are not decorative — they actively screen for 'mentalidade de dono' (ownership mentality), client obsession, bias for action, and the ability to thrive in a fast-paced, sometimes ambiguous environment. Prepare concrete stories about times you took initiative beyond your job description, challenged the status quo, or made a decision with incomplete information. Panel interviews may include leaders from adjacent teams, reflecting XP's cross-functional operating model. Interviews are commonly conducted via video call, particularly for initial rounds, though final-stage conversations may be in person at XP's offices. Communication style tends to be direct and informal — XP doesn't stand on ceremony. Interviewers may push back on your answers to test resilience and intellectual honesty. Being candid about what you don't know, while demonstrating eagerness to learn, tends to resonate far more than rehearsed perfection. For senior roles, expect to meet a director or executive-level leader who will evaluate your strategic thinking and long-term fit. The entire process typically takes 3 to 6 weeks, though high-priority roles may move faster. Throughout, responsiveness and enthusiasm matter — XP values people who match the pace of the organization.

What Xpinc Looks For

  • Ownership mentality ('mentalidade de dono') — demonstrated ability to take full accountability for outcomes without waiting for direction
  • Deep domain expertise in Brazilian financial markets, including familiarity with CVM, BACEN, ANBIMA, and SUSEP regulatory frameworks
  • Client-obsessed thinking — ability to connect your work to tangible improvements in the client experience, whether internal or external
  • Comfort with ambiguity and speed — XP moves fast and expects employees to make sound decisions without perfect information
  • Technical proficiency relevant to the role: financial modeling, database administration, compliance frameworks, AI governance, or accounting standards (IFRS/BR GAAP)
  • Entrepreneurial drive and intellectual curiosity — genuine passion for financial markets and XP's mission to democratize access to investment products
  • Cross-functional collaboration skills — willingness and ability to work across XP's ecosystem of brands and business lines
  • Strong communication skills in Portuguese, with English proficiency increasingly valued for technology and investor-facing roles

Frequently Asked Questions

What language should I write my resume in when applying to XP Inc.?
The majority of XP's roles are based in Brazil and conducted in Portuguese, so submitting your resume in Portuguese is the standard approach for most positions. However, if the job description is written in English or specifically mentions English fluency as a requirement, consider submitting a bilingual resume or an English version. For technology roles like DBA Oracle or AI Governance, demonstrating English proficiency on your resume is valuable since many tools, documentation, and frameworks operate in English. When in doubt, match the language of the job posting.
How long does XP Inc.'s hiring process typically take from application to offer?
Based on common patterns reported by candidates, XP's hiring process typically takes between 3 and 6 weeks from initial application to offer. High-priority or senior roles may move faster, while specialized positions requiring multiple technical assessments could take longer. The process commonly involves 3-5 rounds: recruiter screen, technical assessment or case study, hiring manager interview, and a cultural or leadership panel. Staying responsive to scheduling requests and following up politely can help keep your process on track.
Does XP Inc. require a cover letter with applications?
XP's Greenhouse application typically does not mandate a cover letter for most roles, but including one can differentiate your candidacy — particularly for competitive positions or when your resume doesn't immediately signal an obvious fit. If you include one, keep it concise (250-350 words) and make it XP-specific: reference the company's mission to democratize investments, the specific business unit you're targeting, and one or two concrete examples of how your experience aligns. A generic cover letter is worse than no cover letter at all.
What certifications does XP Inc. look for in financial services roles?
XP operates under strict regulatory oversight, so professional certifications are highly valued and often required. Common certifications include ANBIMA CPA-10 and CPA-20 (for client-facing and advisory roles), CEA (for investment specialists), CGA (for portfolio managers), CFP (for financial planning), and CFA (particularly valued for asset management and international-facing positions). For compliance roles, familiarity with PLD/FT and anti-corruption frameworks is expected. List certifications prominently on your resume and in any Greenhouse screening fields — recruiters frequently search candidate pools by certification acronym.
Can I apply to multiple roles at XP Inc. simultaneously?
Yes, Greenhouse allows you to apply to multiple XP roles, and the system will track all your applications under a single candidate profile. However, use this capability strategically. Recruiters can see every role you've applied to, so applying to ten unrelated positions signals desperation rather than focus. Apply to 2-3 roles that genuinely align with your background, and tailor each application — your resume summary, screening question answers, and any optional cover letter should speak directly to each specific role. Quality always beats quantity in XP's hiring culture.
Does XP Inc. offer remote or hybrid work arrangements?
XP has evolved its work model over recent years, and many roles offer hybrid arrangements with a combination of in-office and remote days. However, work format can vary significantly by team and role — client-facing commercial roles and certain compliance functions may require more in-office presence, while technology and analytics roles may offer greater flexibility. Check the specific job posting for location and work model details, and confirm expectations during the recruiter screening call. XP's primary offices are in São Paulo, with presence in other Brazilian cities and internationally.
What should I prepare for XP Inc.'s cultural interview round?
XP's cultural interview is arguably the most distinctive part of the process. Interviewers assess alignment with XP's core values: 'sonho grande' (dream big), ownership mentality, client obsession, open-mindedness, and entrepreneurial spirit. Prepare specific behavioral examples using the STAR method (Situation, Task, Action, Result) for scenarios like: a time you went beyond your defined responsibilities, a situation where you had to make a decision without complete data, and an example of when you challenged an established process to improve outcomes. Be authentic — XP's interviewers are experienced at distinguishing rehearsed answers from genuine conviction.
How does Greenhouse's ATS affect my application at XP Inc.?
Greenhouse processes your application by parsing your uploaded resume into structured data fields, allowing recruiters to search, filter, and score candidates efficiently. To optimize your chances, use a clean single-column PDF format, include keywords from the job description naturally throughout your experience and skills sections, and complete all custom fields and screening questions. Greenhouse also enables recruiter scorecards — meaning each interviewer rates you against predefined criteria for the role. Understanding that your resume will be both machine-parsed and human-reviewed should inform how you format and write every line.
I don't have direct experience in financial services — can I still get hired at XP Inc.?
XP hires across many functions where financial services experience isn't the primary requirement — particularly in technology (infrastructure, AI, data engineering), media and content (InfoMoney), marketing, HR, and operations. For these roles, emphasize transferable skills and demonstrate genuine interest in XP's mission and the financial industry. That said, for core financial roles like Credit Analysis, Compliance, or Asset Management, domain expertise and certifications are typically non-negotiable. If you're transitioning into finance, consider starting with a role adjacent to your current expertise and building industry knowledge from within.

Sample Open Positions

Check Your Resume Before Applying → View 252 open positions at Xpinc

Related Resources

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Sources

  1. XP Inc. — Careers Page — XP Inc. / Greenhouse
  2. XP Inc. — About Us and Investor Relations — XP Inc.
  3. XP Inc. Company Reviews and Interview Insights — Glassdoor
  4. Greenhouse ATS — How It Works for Candidates — Greenhouse Software