Product Manager - Empréstimo Pessoal

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.

• 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.