Product Lead, BillPay Mexico (SPEI)

• 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

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

• 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

This is a hybrid role: you'll split your time between the office, customers and home. We don't set a minimum number of office days for most roles — you'll spend time in the office naturally, and most days during your ramp-up or when your leader asks.

• A high talent-density team driven to make an impact in Latin America — low ego, high ownership.
• Competitive salary and stock options (ESOP) from day one.
• An annual learning budget and accelerated development paths.
• English is our working language, with Spanish and Portuguese every day.

• Clarity — Open and direct communication: we say what we mean and give context where it matters.
• Simplicity — If it can be simpler, it should be.
• Ownership — We own everything we do, end to end. When something needs to happen, we don't wait.
• Pride — We hold ourselves to a high standard, and it shows in what we deliver.
• ABC (Always Be Changing) — We adapt fast, embrace change, and keep learning.
• Inclusivity — Diverse ideas, stories and perspectives build a better Clara.

If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.