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 s

📌 Product Lead (México)
🏢 Plata Card
📍 México