Collections Product Lead

Join Plata as a Collections Product Lead to design and optimize the customer journey in collections. Lead strategies and improve performance while ensuring customer engagement in Colombia's fintech landscape. We are looking for a Collections Product Lead to join our Collections team. We're launching a new business line in Colombia and looking for a product and strategy leader who will own the end-to-end customer journey across precollections and collections.

• •Build and maintain the end-to-end precollections and collections customer journey across all stages, channels, decision points, and customer touchpoints in the Colombian market.
• •Identify friction points, drop-offs, and operational inefficiencies, redesigning journeys to improve recovery performance, customer experience, and cost efficiency.
• •Design and launch end-to-end collection strategies across precollections and active delinquency, including early-warning communications, tailored repayment plans, restructuring offers, and seamless self-service resolution flows.
• •Tailor communication, offers, and interventions to customer behavior and risk profiles.
• •Own channel orchestration across SMS, WhatsApp, email, push notifications, IVR, and agent interactions to optimize contactability and engagement.
• •Build and drive the collections product roadmap, prioritizing initiatives based on business impact.
• •Translate business requirements into clear technical specifications for Engineering, Data, and Operations teams.
• •Drive continuous optimization through A/B testing and champion/challenger frameworks to refine messaging, timing, offers, and customer journeys.
• •Define, monitor, and improve key collections metrics (roll rates, cure rates, recovery rates, promise-to-pay performance, cost-to-collect) and build reporting frameworks to support data-driven decisions.

• •Relocation support with assistance for the employee and their family.
• •Flexible work from our offices or remote.
• •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.

• •5+ years of experience in Product Management, Customer Lifecycle, Credit Risk, Collections, or Lending Operations in fintech, banking, or consumer lending.
• •Proven track record of designing, optimizing, and scaling digital customer journeys with measurable business impact.
• •Strong understanding of collections, servicing, CRM, or lifecycle management processes in high-growth or digital-first environments.
• •Advanced analytical mindset with hands-on experience working with delinquency, roll-rate, recovery, and segmentation data.
• •Hands-on experience writing product requirements (PRDs, user stories) and delivering products in close collaboration with Engineering and Data teams.
• •Experience designing and evaluating experimentation frameworks (A/B testing, Champion/Challenger).
• •Strong stakeholder management skills with the ability to align cross-functional teams (Risk, Operations, Legal, Compliance, Tech).
• •Fluent/Native Spanish and B2 or higher English level for effective communication within an international team.