Head of X-Sell

At NOVACARD , we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico , designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit , only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals. About the Role: We are looking for a strong Product Manager to lead cross-sell strategy and execution for our cash loans and credit lines portfolio in the Near Prime segment. You will be fully responsible for driving incremental product adoption among our existing customer base, maximizing share of wallet, and designing seamless multi-product journeys. This role demands the ability to balance customer lifetime value, data-driven offer design, and business profitability. The role is mostly remote, with business trips when required. Key Responsibilities: Develop and own the cross-sell strategy and roadmap for Cash Loans and Credit Lines, identifying high-potential customer segments for multi-product adoption. Design targeted cross-sell value propositions that sit at the intersection of customer needs, product eligibility, tech feasibility, and financial return. Own the cross-sell P&L and track core metrics: cross-sell take-up rate, products-per-customer ratio, time-to-second-product, incremental revenue per customer, activation and usage of the second product, and overall LTV uplift. Architect end-to-end cross-sell customer journeys — from in-app triggers and pre-approved offers to seamless onboarding for a second product — ensuring a frictionless experience that deepens engagement. Identify and build partnership integrations (online/offline retailers, ecosystems) that serve as cross-sell channels or co-branded triggers for existing customers. Continuously analyze and optimize unit economics (UE) of cross-sell initiatives, balancing acquisition-like incentives with long-term portfolio profitability. Build and manage the cross-sell product management process, define a success matrix for cross-sell initiatives, and run a prioritized experimentation roadmap. Work cross-functionally with risk, marketing (CRM, lifecycle), IT, finance, and legal teams to align cross-sell campaigns with credit policies, communication governance, and tech delivery (both locally and with HQ). Drive continuous improvement of the cross-sell customer journey (CJM), ensuring that every touchpoint reinforces trust and value, and that new features meet cost, quality, and performance targets. Key Requirements: Solid experience in consumer lending (Cash Loans, Credit Lines, Credit Cards, PDL, or other unsecured credit) on the business or risk management side — mandatory. Proven track record of driving cross-sell, up-sell, or multi-product adoption in a financial services or fintech environment is a strong advantage. Deep understanding of adjacent functions: risk management, lifecycle marketing, and IT. Strong upper-intermediate English (both spoken and written) — required for regular communication with international teams and HQ. Powerful analytical skills, ability to frame cross-sell as a product discipline, out-of-the-box thinking, and flexibility. Comfortable managing multiple experiments and initiatives simultaneously. Genuine curiosity about customer behavior, openness to new ideas, and advanced communication and stakeholder management skills. What We Offer Remote work format, with office/on-site options when needed. Official employment under local labor law; contractor arrangements available for candidates from other countries. The opportunity to define and scale the cross-sell function in a high-growth Near Prime lending business. A data-driven, experimental culture where your hypotheses directly translate into measurable revenue and customer satisfaction gains. Autonomy to build cross-sell processes from scratch and collaborate with an international team shaping the future of credit in Mexico.