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:

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- 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 Opera

📌 Product Lead (Xico)
🏢 Plata Card
📍 Xico