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