Product Lead, BillPay Mexico (SPEI)

Job description

## **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 businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. **ABOUT CLARA** Clara is the leading spend management platform for businesses in Latin America. We provide corporate cards, expense management, and AP automation across Mexico, Colombia, and Brazil. Our mission: give every company in Latin America complete control of their spending. Small, high-powered squads. Senior engineers. AI tools baked into how we work. The person running product for a squad doesn't just write specs — they own outcomes end to end. **ABOUT THE ROLE** SPEI is Mexico's primary interbank payment rail. For Clara customers, it powers everything from supplier payments to tax disbursements to payroll runs. BillPay Mexico is the product that makes this seamless — domestic and cross-border transfers, payment tracking, reconciliation, and the compliance layer that keeps everything clean with SAT, CNBV, and banking partners. This is a squad lead role reporting directly to the Global Product Director. You'll own the full BillPay product experience for the Mexican market: payment flows, bank partner integrations, disbursement reliability, and the back-office tooling that supports operations and finance. You'll work closely with engineers, design, banking infrastructure, compliance, and enterprise sales teams. This role requires physical presence in Mexico City — we're in active conversations with banking partners and regulators, and showing up in person matters. **WHAT YOU'LL DO** - Own discovery, prioritization, and outcomes for the BillPay MX squad — understand why payment success rates move, why reconciliation breaks, and why customers churn, not just what launched - Build deep understanding of SPEI infrastructure: clearing windows, return codes, CLABE validation, and failure propagation — and extend that to cross-border flows (FX rails, correspondent banking, settlement timing) - Maintain and evolve banking partner relationships from a product perspective: know what integration contracts allow, where bottlenecks are, and what needs to be negotiated next - Own compliance signals: SAT requirements, CNBV guidelines, and PLD/AML obligations for transfer products - Define and track the metrics that matter: payment success rate, settlement time, reconciliation error rate, time-to-resolve for failed transfers, and BillPay contribution to customer retention - Design and iterate on disbursement workflows — from single transfers to bulk payment runs for hundreds of suppliers - Prototype with AI tools (Cursor, Claude Code, v0) before committing engineering time - Contribute straightforward code changes (copy, config, feature flags, simple UI, analytics) through engineer-reviewed PRs - Work in Git daily: read PRs, understand what shipped, follow what's blocked **WHAT WE'RE LOOKING FOR** *Experience* - 5+ years in product management, with at least 2 years owning a payments, banking, or financial infrastructure product - Track record of shipping products that moved business metrics — not just features that launched - Hands-on experience with payment rails, banking APIs, or financial infrastructure at a product level - Comfortable working with engineers as peers, not through project managers or coordinators *Domain knowledge — payments* - Deep understanding of SPEI: clearing cycles, error handling, CLABE structure, and how to design reliable retry and fallback flows - Familiarity with cross-border payment rails: FX conversion, correspondent banking, SWIFT or alternative rails, and associated compliance overhead - Familiarity with Mexican banking regulations: SAT CFDIs, CNBV licensing implications, AML/PLD obligations - Experience integrating with or managing bank correspondent relationships from a product side - Understands how reconciliation works end to end: what breaks it, how to design around it, and how to give finance teams the visibility they need *Technical fluency* - Can prototype a working concept using AI coding tools (Cursor, Claude Code, or similar) - Comfortable with Git: branches, commits, PRs, reading diffs - Can read code well enough to follow what a PR does and ask informed questions - Understands API integrations, webhooks, async payment flows, and idempotency patterns at a conceptual level *Product fundamentals* - Strong discovery instincts — finds the real problem before designing a solution - Data-literate: comfortable with SQL, funnel analysis, and experiment design - Clear written communicator in both Spanish and English - Strong stakeholder management across engineering, banking partners, compliance, finance, and enterprise sales *Mindset* - High agency — defaults to action over process - Treats AI tools as core workflow, not a novelty - Comfortable in ambiguous regulatory environments — knows how to make progress without waiting for perfect clarity **NICE TO HAVE** - Experience with ERP integrations (SAP, Oracle, Aspel, CONTPAQi) from a payments or AP perspective - Familiarity with Banxico's regulatory framework and SPEI operating rules - Experience with multi-currency or cross-border payment products at production scale - SQL fluency beyond "can write a query" — you've built your own dashboards and done your own reconciliation analysis **LANGUAGES** Full bilingual proficiency in English and Spanish required. Native or near-native Spanish is a hard requirement — not a nice-to-have. You'll work in English with cross-functional teams across LatAm and in Spanish with banking partners, regulators, and customers in Mexico. Portuguese is a plus. ## **Why join Clara** At Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America. #### **Who we are** - We’re the leading **B2B fintech for spend management** in Latin America. - Certified as one of the world's fastest-growing companies, a **Great Place to Work**, and a **LinkedIn Top Startup**. - Passionate about making Latin America more prosperous and competitive. - Constantly innovating to build financial infrastructure that enables each of our customers to thrive. - Product-led, high-talent-density culture — designed for builders who raise the bar. - Proud of our open, inclusive, and values-driven environment. #### **What we believe in** - **#Clarity.** We say things clearly, directly, and proactively. - **#Simplicity.** We reduce noise to focus on what really matters. - **#Ownership.** We take responsibility and never wait to be told. - **#Pride.** We build products and experiences we’re proud of. - **#Always Be Changing (ABC).** We grow through feedback, risk-taking, and action. - **#Inclusivity.** Every voice counts. Everyone contributes to our mission. #### **What we offer** - Competitive salary and stock options (**ESOP**) from day one - Multicultural team with daily exposure to **Portuguese, Spanish, and English** (our corporate language) - Annual learning budget and internal accelerated development paths - High-ownership environment: we move fast, learn fast, and raise the bar — together - Smart, ambitious teammates — low ego, high impact - Flexible vacation and **hybrid work model** focused on results If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. --- #### Clara’s Hybrid Policy Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team. We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.