Product Manager Sênior — Saúde da Carteira | PJ

Accountabilities • Lead the continuous improvement of collection, negotiation, financial recovery, and contract termination processes.

• Identify opportunities to increase financial recovery, reduce payment delays, and minimize portfolio losses.

• Investigate operational and product challenges through data analysis, stakeholder interviews, and direct observation of existing processes.

• Formulate and validate hypotheses using prototypes, simulations, and pilot initiatives before committing resources to full development.

• Build, maintain, and prioritize the product roadmap, considering expected financial impact, implementation effort, business priorities, and associated risks.

• Monitor and analyze key portfolio performance indicators, including recovery rates, account regularization, PDD (allowance for doubtful accounts), and financial losses.

• Partner with Engineering, Design, QA, Collections, Credit, Legal, and Operations teams to define, develop, launch, and evaluate product improvements.

• Use measurable outcomes to guide product decisions and continuously refine the roadmap.

• During the first 90 days, develop a clear understanding of the portfolio and its recovery challenges, validate key indicators, establish priorities, conduct initial hypothesis tests, and assess results to guide product evolution.

Requirements:

• Bachelor's degree, technology degree, or postgraduate qualification.

• Proven experience as a Product Manager, leading the full product lifecycle, including discovery, prioritization, development, and performance monitoring.

• Experience with financial products or operations involving credit, collections, debt recovery, or related processes.

• Practical experience validating hypotheses and conducting experiments before investing in product development.

• Strong analytical capabilities, with the ability to interpret financial indicators and use data to guide product strategy and decisions.

• Experience building and managing product roadmaps in collaboration with multidisciplinary teams.

• Strategic mindset and strong results orientation.

• Investigative, analytical, and critical-thinking skills, with the ability to challenge assumptions and identify root causes.

• Experimental mindset and familiarity with AI tools.

• Autonomy in decision-making and confidence negotiating priorities with different stakeholders.

• Strong communication and influencing skills, with the ability to connect business objectives, technology capabilities, and customer needs.

• Maturity and sound judgment when working with complex financial processes.

• Fluent Portuguese.

Nice to Have:

• Experience in fintechs, proptechs, or operations involving FIDCs (credit rights investment funds).

• Knowledge of PDD, repurchase processes, and financial reconciliation.

• Familiarity with SQL and data analysis tools.

• Experience automating financial processes.

Benefits:

• Cost allowance to support work-related expenses.

• Day off.

• Access to a wellbeing platform.

• Additional paid days off.

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