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 productsWhat 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 teamYour 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 skillsOur 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 financesOur benefits:- Relocation support to Mexico with assistance for the employee and their family- Versátil 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

📌 Product Lead [SME Credit Products] (Zamora de Hidalgo)
🏢 Plata Card
📍 Zamora de Hidalgo