We are looking for aProduct Leadto own and develop theSME Credit Productsdirection 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 thestrategy 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 economicsLeading and developing a team of Product Managers responsible for individual credit productsLaunching and scaling the credit product portfolio, including business credit cards, overdrafts, factoring, and working capital financingDeveloping credit strategy together with Risk, including scoring models, credit limits, delinquency stages, and provisioningDesigning end-to-end credit journeys across origination, signing, disbursement, servicing, repayments, and collections, with a strong focus on automationBuilding the regulatory framework together with Legal and Compliance and ensuring products meet relevant regulatory and reporting requirementsManaging key business and portfolio metrics, including portfolio volume and quality, margin, NPL,



approval rate, limit utilization, and CAC/LTVWorking closely with Engineering, Analytics, Risk, Legal, Sales, and Operations to deliver and scale credit productsWhat makes you a great fit:6+ years of experience inProduct Management within fintech or banking, including 3+ years working withSME / B2B credit productsProven experience launching credit products from scratch and managing an existing credit portfolioStrong understanding of the full credit lifecycle, from origination and scoring to servicing and collectionsExperience leading Product Managers or owning several product areas simultaneouslyStrong understanding of credit product economics, including P&L;, pricing, cost of risk, and provisioningSolid knowledge of credit risk management, including scoring models, limit policies, and vintage analysisStrong analytical and data-driven decision-making skillsB2 or higher English level for effective communication with an international teamYour bonus skills:Understanding of the Mexican financial and regulatory environment, includingCNBV, SAT, SPEI, and CFDIHands-on experience withSQL or PythonSpanish language skillsOur ways of working:Innovative Spirit:A commitment to creativity and groundbreaking solutionsHonest Feedback:valuing open, transparent communicationSupportive Team:a strong, collaborative communityCelebrating Achievements:recognizing our wins togetherHigh-Tech Environment:a team full of smart and revolutionary people who date to challenge the status quo of incumbent financesOur benefits:Relocation support to Mexicowith assistance for the employee and their familyFlexible workfrom our officeHealthcareCoverageEducation Budget:Language lessons, professional training and certificationsWellness Budget:Mental health and fitness activity reimbursementsVacation policy:20 days of annual leave and paid sick leave

📌 Product Lead [Sme Credit Products] (México)
🏢 Plata Card
📍 México