Product Owner - Empréstimo

RecargaPay

Brasil

Remote

BRL 167,400 - 223,200

Full time

14 days+

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Benefits offered by this job

Competitive and market-aligned salary

Remote work option

Home office allowance

Health and dental plans

Life insurance

Flexible meal allowance

TotalPass membership

Job summary

A growing fintech company in Brazil is looking for a Product Owner to take responsibility for the lifecycle of loan products. You will define the vision, collaborate cross-functionally, and optimize the user experience. The ideal candidate has at least 2 years of experience in product management, particularly in fintech, and a passion for enhancing financial inclusion. This role offers a competitive salary and a fully remote working environment.

Qualifications

2+ years as a Product Owner or Product Manager, ideally in fintech or financial services.
Strong experience leading Agile squads and managing backlogs.
Excellent communication skills and ability to align stakeholders.

Responsibilities

Define and articulate a clear vision and strategy for loan products.
Translate user problems into detailed product requirements and user stories.
Own the product backlog and lead Agile ceremonies.

Skills

Product Experience

Agile Delivery Leadership

Customer-Centric Mindset

Strategic Thinking

Cross-Functional Collaboration

Business Awareness

Education

Bachelor's degree in Business, Engineering, Design, or related fields

Job description

1 month ago Be among the first 25 applicants

Come Make an Impact on Millions of Brazilians!

At RecargaPay, we're on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We've been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We're looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what's possible.

If you're ready to do your best work, at scale, with purpose — this is your place.

We are seeking an experienced and customer-focused Product Owner to join the Lending Squad at RecargaPay. In this role, you will take ownership of the end-to-end lifecycle of loan products - defining the vision, shaping the roadmap, and leading cross-functional execution. You'll partner with engineering, design and credit teams to deliver lending experiences that drive growth, improve user engagement, and enhance financial inclusion.

Key Responsibilities

Lead Product Vision & Roadmap: Define and articulate a clear vision and strategy for loan products based on market needs, user feedback, and business objectives. Transform this vision into a structured roadmap with clear priorities and milestones
Define & Deliver Product Requirements: Translate user problems and business goals into detailed product requirements, user stories, and acceptance criteria. Ensure features are well-scoped, deliverable, and aligned with stakeholder expectations
Drive Agile Product Development: Own the product backlog and lead ceremonies including sprint planning and backlog grooming. Set sprint goals and ensure timely and high-quality delivery of features
Collaborate Across Teams: Work closely with engineering to deliver technically sound solutions, with design to ensure great user experience, and with credit team to align product outcomes with portfolio strategies and profitability
Optimize User Experience: Champion the voice of the customer by integrating feedback, conducting usability assessments, and collaborating on product discovery efforts. Prioritize features that enhance user trust, engagement, and repayment behavior
Monitor Product Performance & Impact: Define and track product success metrics. Partner with analytics and business teams to assess feature adoption, user behavior, and portfolio impact. Use insights to refine the roadmap and inform future decisions

Own Go-To-Market & Launch Plans: Coordinate product releases in alignment with internal stakeholders. Ensure clear communication, training materials, and support for successful product launches.

Requirements

Proven Product Experience: 2+ years as a Product Owner or Product Manager, ideally in fintech, lending, or financial services
Agile Delivery Leadership: Strong experience leading Agile squads, managing backlogs, and delivering digital products in iterative cycles
Customer-Centric Mindset: Passion for solving real user problems with thoughtful, intuitive product solutions
Strategic Thinking: Ability to prioritize initiatives based on user value, technical feasibility, and business impact
Cross-Functional Collaboration: Excellent communication skills and the ability to align stakeholders across engineering, design, credit, and operations
Business Awareness: Understanding of credit products, loan lifecycle, and financial KPIs such as default rates, cost of acquisition, and portfolio health
Educational Background: Bachelor's degree in Business, Engineering, Design, or related fields

Nice-to-Have Skills

Fintech or Credit Experience: Familiarity with consumer credit products, risk models, or digital lending operations
UX & Design Partnership: Experience collaborating closely with design teams on user research, wireframes, and product discovery
Experimentation Culture: Exposure to A/B testing, hypothesis-driven development, and iterative innovation
Technical Fluency: Ability to understand technical architecture and evaluate trade-offs in backend/frontend development
Process Optimization: Experience improving product delivery workflows, QA practices, and post-launch operations

Benefits

Competitive and market-aligned salary
Remote work — wherever you are, you're part of the team!
Home office allowance through a monthly deposit in the RecargaPay app
Health and dental plans with no co-pay
Life insurance
Flexible meal allowance (via Flash)
TotalPass membership to take care of your health

Diversity & Inclusion at RecargaPay

At RecargaPay, you'll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About The Use Of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).

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