Product Lead [SME Credit Products]

We are looking for a Product Lead to own and develop the SME Credit Products direction within Plata Empresa. Plata Empresa is building a comprehensive banking ecosystem for small and medium-sized businesses, including current and FX accounts, business cards, deposits, payments, and acquiring. Credit products are one of the key areas of growth and monetization, with a portfolio that includes business credit cards, overdrafts, factoring, and working capital financing. In this role, you will own the strategy and P&L of the SME credit business , lead a team of Product Managers, and work closely with Risk to define the credit strategy. You will be responsible for the entire product portfolio and its performance — from launching and scaling individual products to managing portfolio quality, unit economics, and profitability. This is a high-ownership leadership role with the opportunity to build and scale a key business direction from the ground up. Challenges that await you: Owning the strategy and P&L of the SME credit business, including product portfolio, launch priorities, and unit economics Leading and developing a team of Product Managers responsible for individual credit products Launching and scaling the credit product portfolio, including business credit cards, overdrafts, factoring, and working capital financing Developing credit strategy together with Risk, including scoring models, credit limits, delinquency stages, and provisioning Designing end-to-end credit journeys across origination, signing, disbursement, servicing, repayments, and collections, with a strong focus on automation Building the regulatory framework together with Legal and Compliance and ensuring products meet relevant regulatory and reporting requirements Managing key business and portfolio metrics, including portfolio volume and quality, margin, NPL, approval rate, limit utilization, and CAC/LTV Working closely with Engineering, Analytics, Risk, Legal, Sales, and Operations to deliver and scale credit products What makes you a great fit: 6+ years of experience in Product Management within fintech or banking , including 3+ years working with SME / B2B credit products Proven experience launching credit products from scratch and managing an existing credit portfolio Strong understanding of the full credit lifecycle, from origination and scoring to servicing and collections Experience leading Product Managers or owning several product areas simultaneously Strong understanding of credit product economics, including P&L, pricing, cost of risk, and provisioning Solid knowledge of credit risk management, including scoring models, limit policies, and vintage analysis Strong analytical and data-driven decision-making skills B2 or higher English level for effective communication with an international team Your bonus skills: Understanding of the Mexican financial and regulatory environment, including CNBV, SAT, SPEI, and CFDI Hands-on experience with SQL or Python Spanish language skills Our ways of working: Innovative Spirit: A commitment to creativity and groundbreaking solutions Honest Feedback: valuing open, transparent communication Supportive Team: a strong, collaborative community Celebrating Achievements: recognizing our wins together High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances Our benefits: Relocation support to Mexico with assistance for the employee and their family Flexible work from our office Healthcare Coverage Education Budget: Language lessons, professional training and certifications Wellness Budget: Mental health and fitness activity reimbursements Vacation policy: 20 days of annual leave and paid sick leave