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Overview
Plata is seeking a Product Lead to develop SME Credit Products, managing strategy, P&L, and a team of Product Managers. This role involves launching and scaling credit products within a comprehensive banking ecosystem for SMEs. 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.
Responsibilities
- •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
Conditions
- •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
Requirements
- •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