Description
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
What makes you a great fit:
- 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
Your bonus skills:
- 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
Similar jobs
We are looking for a Risk Data Analyst.The Integrated Risk Management team is managing risk profile of the company. Identifying financial risks and management advisory on their mitigation. Providing service of developing…
We are looking for a Senior Business Analyst to join the PyME Origination team. The team is responsible for building digital onboarding products for business customers. One of its key areas is account opening for persona…
We are looking for a Risk Analyst.The Credit Card Risk team is responsible for managing credit risk and driving profitability across the credit card portfolio. We design and implement risk decision-making processes throu…
We are looking for a proactive Business Analyst to join our PyMe Acquisition Team. PyMe Acquisition Team is responsible for building and scaling client acquisition channels. We work at the intersection of Product, Operat…
We are looking for a Business Analyst to join our Customer Care (Individual Products) team — a critical function supporting our customers’ daily financial activities, from purchases and ATM withdrawals to seamless access…
We are looking for a Product Manager to lead the development and scaling of automated legal collections processes. This role sits at the intersection of product, legal, data, and operations and focuses on building a high…
DevOps Team:We are looking for Network Engineer for our DevOps team that combines development and operations to create an efficient and reliable IT infrastructure. The team is responsible for service deployment and backu…
We are currently growing rapidly and have several Lead Analysts roles available in various teams: Delivery, PyME Origination, Mobile App/Payments, Credit Products, X-Sell. We are at the beginning of our journey, building…
We are looking for a Balance Sheet Management Lead [Market & Solvency Risk] for our ALM & Treasury Team — a key role at the intersection of balance sheet management, regulatory capital, and market risk. As we con…
We are launching SME – a new product focused on small and medium businesses in Mexico, and are looking for a Senior/Lead Product Analyst to help build the function from the ground up. You will define how we scale acquisi…
We are looking for a Business Analyst to join the Quality Control team. The team safeguards the quality of operations across every division at Plata. Supported by a large team of specialists and AI-driven quality monitor…
Compliance team: We are looking for a motivated, ambitious and detail-oriented SME Compliance Lawyer to join our Legal & Compliance team. If you’re passionate about compliance, risk assessment, and regulatory standar…
We are looking for an L&D Project Manager for our Training Team — a role focused on improving operational performance rather than simply delivering learning initiatives. You will work at the intersection of Learning…
We are looking for a Risk Data Governance Lead to own and transform our risk data infrastructure into an LLM-agent-ready state. This is a unique role at the intersection of data engineering, data governance, and risk ana…
We are looking for a Portfolio Risk Manager. We’re launching a new business line in Mexico and looking for a strong leader to own credit risk end-to-end. You’ll set the risk vision, design frameworks, build and lead the…
Cards Portfolio team: We're the youngest bank in Mexico - and we're building from scratch. You won't be maintaining spreadsheets for someone else's decisions. You'll own a product, propose your own ideas, run experiments…
We are seeking a highly technical and resilient professional to lead our CECL and IFRS 9 provisioning framework within the Integrated Risk Management team. This role is central to our IPO readiness and financial reportin…
We are looking for a Business Analyst to join our Customer Care (Individual Products) team — a critical function supporting our customers’ daily financial activities, from purchases and ATM withdrawals to seamless access…
We are looking for a On-Duty Customer IT Support Specialist to join our Customer IT Support team. The Customer IT Support team is responsible for managing technical issues of the company’s clients, resolving issues relat…
We are expanding our Delivery process and launching our first ATMs in Mexico. We're looking for a Product Analytics Lead to own and scale the analytical function across both products. This is a unique opportunity to driv…
We’re looking for a Risk Data Analyst to join Integrated Risk Management team. This is a second-line-of-defense role at the intersection of data, banking operations, and risk. You’ll dig into the bank’s core processes, p…
We are looking for a Product Lead to own and shape the future of our Communications Platform — the internal product that powers the delivery of every customer communication across the bank. The platform is responsible no…
We are looking for a QA Engineer - Backend (Golang) for the Core Banking Systems Team — a team focused on building reliable and scalable backend systems at the core of our
Compliance team: We are looking for our next AML Analyst to support the strengthening of Banco Plata's compliance framework by performing operational analysis related to AML/CFT/CPF (PLD/FT/FPADM), under the supervision…
Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing…
Finance team: We're looking for a proactive Accounting Analyst to support the bank’s financial and regulatory accounting processes. If you're passionate about learning how a regulated financial institution operates, part…
Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing…
Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing…