Product Manager - Empréstimo Pessoal

Job description

**This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Product Manager - Empréstimo Pessoal based in Brazil.** We are looking for an experienced Product Manager to lead the strategy, development, and growth of a personal lending product within a digital financial services environment. In this role, you will own the full product lifecycle, from discovery and opportunity assessment to launch, optimization, and long-term evolution. You will combine customer insights, market intelligence, and data analytics to build accessible, competitive, and financially sustainable credit solutions. Working closely with teams across Risk, Credit, Collections, Compliance, Technology, Marketing, and Data, you will balance customer needs with business performance and regulatory requirements. You will drive product decisions through experimentation and measurable outcomes, optimizing the customer journey while managing credit risk and profitability. This is an opportunity to shape digital lending experiences, expand financial inclusion, and deliver meaningful value to customers through innovative financial products. ### Accountabilities - Own the strategy, development, and continuous evolution of the personal loan product, ensuring it remains relevant, competitive, customer-focused, and financially sustainable. - Lead the complete product lifecycle, including discovery, opportunity identification, requirements definition, development, launch, performance monitoring, and ongoing optimization. - Analyze market trends, competitor benchmarks, customer behavior, and internal performance data to identify opportunities for product innovation and growth. - Define the product vision, objectives, roadmap, and prioritization framework, aligning customer needs with business strategy and financial goals. - Identify target and non-target customer segments, establish competitive differentiation, and develop strategies to drive scalable growth, profitability, and sustainable lending performance. - Validate product hypotheses through data analysis, customer research, testing, and continuous experimentation to support evidence-based decisions. - Coordinate with Regulatory, Legal, Compliance, Risk, Credit, Collections, Marketing, Data, and Technology teams to identify requirements, assess risks, and ensure effective product delivery. - Monitor key product performance indicators, including financial results, customer satisfaction, conversion rates, engagement, loan delinquency, customer lifetime value (LTV), and end-to-end journey performance. - Optimize the complete customer journey by reducing friction, minimizing abandonment, improving conversion, and delivering a seamless and accessible borrowing experience. - Communicate and champion the product vision, influence stakeholders, negotiate priorities, and ensure alignment across multidisciplinary teams. - Support the development of product talent and coordinate multidisciplinary teams, including direct management of Associate Product Managers (APMs), where applicable. - Balance customer experience, business growth, credit risk, and regulatory obligations to ensure responsible and sustainable product development. ### Requirements: - Solid professional experience managing digital products within the financial services industry, particularly in fintechs or digital banking environments. - Strong understanding of credit products, with experience in personal loans considered a significant advantage. - Excellent analytical capabilities and a data-driven mindset, with practical proficiency in SQL and Excel for querying, analyzing, and interpreting product and business performance data. - Ability to assess financial and risk indicators, including customer lifetime value (LTV), delinquency rates, conversion, and product profitability. - Strong strategic and commercial thinking, with the ability to translate business objectives into actionable product strategies and scalable, profitable solutions. - Experience managing the complete product lifecycle, from discovery and roadmap development to experimentation, delivery, and performance optimization. - Demonstrated ability to use customer insights, market research, quantitative analysis, and experimentation to identify opportunities and validate product decisions. - Experience working with cross-functional stakeholders, particularly in Risk, Credit, Collections, Compliance, Legal, Technology, and Data. - Previous experience in team leadership, people development, or coordinating multidisciplinary product teams, including direct management of Associate Product Managers, is valued. - Excellent communication skills, with the ability to present ideas clearly, concisely, and persuasively to both technical and executive audiences. - Strong stakeholder management and influencing skills, with the ability to align competing priorities and advocate for product decisions. - A customer-centric, results-oriented approach, combining analytical rigor, sound judgment, adaptability, and a commitment to continuous improvement. ### Benefits: - Work arrangement: Remote. - Employment type: Full-time employment. - Performance incentives: Profit-sharing (PLR) or bonus, subject to applicable company policies. - Healthcare: Medical and dental insurance. - Meal allowance: Vale-refeição. - Extended parental leave: Enhanced maternity and paternity leave. - Wellness programs: Access to Wellhub and TotalPass fitness and physical activity benefits. - Employee discounts: Special offers on products from the company group and participating partners. - Retirement planning: Private pension plan. - Financial protection: Life insurance and funeral assistance. - Employee support: Access to a complimentary assistance program offering psychological support and financial, legal, and pension-related consulting. - Health and well-being: Free telemedicine and telepsychology services through a dedicated wellness program. - Professional autonomy: A dynamic, fast-growing environment offering opportunities to take ownership of product strategy and influence business outcomes. - Career development: Opportunities to collaborate with multidisciplinary teams, develop leadership capabilities, and contribute to innovative digital financial products.