Product Lead [SME Credit Products]

3 нед. назад

MexicoLATAMLead

Lead the strategy, P&L, and team for SME Credit Products portfolio within Plata Empresa.

Будет плюсом

Understanding of the Mexican financial and regulatory environment, including CNBV, SAT, SPEI, and CFDI
Hands-on experience with SQL or Python
Spanish language skills
 
Innovative Spirit:  A commitment to creativity and groundbreaking solutions
Honest Feedback:  valuing open, transparent communication
Supportive Team:  a strong, collaborative community
Celebrating Achievements:  recognizing our wins together
High-Tech Environment:  a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances
Relocation support to Mexico  with assistance for the employee and their family
Flexible work  from our office
Healthcare   Coverage
Education Budget:  Language lessons, professional training and certifications
Wellness Budget:  Mental health and fitness activity reimbursements
Vacation policy:  20 days of annual leave and paid sick leave

Другое

We are looking for a Product Lead to own and develop the SME Credit Products direction within Plata Empresa.
Plata Empresa is building a comprehensive banking ecosystem for small and medium-sized businesses, including current and FX accounts, business cards, deposits, payments, and acquiring. Credit products are one of the key areas of growth and monetization, with a portfolio that includes business credit cards, overdrafts, factoring, and working capital financing.
In this role, you will own the strategy and P&L of the SME credit business , lead a team of Product Managers, and work closely with Risk to define the credit strategy. You will be responsible for the entire product portfolio and its performance — from launching and scaling individual products to managing portfolio quality, unit economics, and profitability.
This is a high-ownership leadership role with the opportunity to build and scale a key business direction from the ground up.
Challenges that await you:
Owning the strategy and P&L of the SME credit business, including product portfolio, launch priorities, and unit economics
Leading and developing a team of Product Managers responsible for individual credit products
Launching and scaling the credit product portfolio, including business credit cards, overdrafts, factoring, and working capital financing
Developing credit strategy together with Risk, including scoring models, credit limits, delinquency stages, and provisioning
Designing end-to-end credit journeys across origination, signing, disbursement, servicing, repayments, and collections, with a strong focus on automation
Building the regulatory framework together with Legal and Compliance and ensuring products meet relevant regulatory and reporting requirements
Managing key business and portfolio metrics, including portfolio volume and quality, margin, NPL, approval rate, limit utilization, and CAC/LTV
Working closely with Engineering, Analytics, Risk, Legal, Sales, and Operations to deliver and scale credit products
 
6+ years of experience in Product Management within fintech or banking , including 3+ years working with SME / B2B credit products
Proven experience launching credit products from scratch and managing an existing credit portfolio
Strong understanding of the full credit lifecycle, from origination and scoring to servicing and collections
Experience leading Product Managers or owning several product areas simultaneously
Strong understanding of credit product economics, including P&L, pricing, cost of risk, and provisioning
Solid knowledge of credit risk management, including scoring models, limit policies, and vintage analysis
Strong analytical and data-driven decision-making skills
B2 or higher English level for effective communication with an international team