Senior Product Manager, Credit Line and Card

PayJoy; Torreón; Presencial; USD 60,000 - 80,000; Jornada completa

Descripción de la vacante

A financial service provider in Torreón is seeking a Senior Product Manager to enhance their credit line and card products. This role involves defining product strategy, collaborating with engineering and design teams, and optimizing product performance. Candidates should have 5+ years of experience in product management within Fintech and a strong analytical background. The position offers extensive benefits including health insurance, vacation time, and professional development perks.

Servicios

100% Company-funded Health and dental and vision discount plan

Life insurance

Phone finance and home office equipment perks

30 days of Christmas bonus

20 days paid Vacation

50% Vacation premium

13% Saving funds

$2,000 MXN monthly grocery coupons

$2,000 MXN monthly restaurant coupons

$2,000 USD annual Co-working Travel perk

$2,000 USD annual Professional Development perk

Formación

• Proven ability to lead and collaborate effectively with diverse teams.
• Experience with card issuing or processing platforms is a plus.
• Fluency in Spanish is desirable.

Responsabilidades

• Define and execute the product roadmap for credit line and card offerings.
• Conduct market and customer research to identify pain points.
• Drive the end-to-end product lifecycle from ideation to post-launch.
• Collaborate with cross-functional teams to ensure product delivery.
• Analyze and optimize product performance using key metrics.

Conocimientos

Analytical skills

Data-driven decision making

Collaboration

Understanding of credit lifecycle

Educación

5+ years of product management experience in Fintech or related field

Herramientas

SQL

Descripción del empleo

About PayJoy

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Senior Product Manager on the Consumer Team will play a crucial role in driving the growth and continuous improvement of our credit line and card products. This position involves owning the product strategy, roadmap, and execution to enhance the overall customer experience, expand product capabilities including international expansion, and optimize key performance indicators. You'll collaborate closely with Engineering, Design, Risk, and Operations teams to identify new opportunities, solve complex challenges, and deliver impactful solutions that directly contribute to the product's success and our customers' financial well-being.

The ideal candidate will possess a strong background in product management within financial services, with a particular focus on credit products and consumer lending. Expertise in data-driven decision-making, understanding of credit lifecycle dynamics, and a passion for delivering exceptional customer experiences are paramount.

Responsibilities

• Define and execute the product roadmap for our credit line and card offerings, aligning it with company growth objectives and customer needs.
• Conduct in-depth market and customer research to identify pain points, unmet needs, and opportunities for innovation in the credit and lending space.
• Drive the end-to-end product lifecycle from ideation and requirements gathering to development, launch, and post-launch iteration for new features and improvements.
• Collaborate closely with cross-functional teams including Engineering, Design, Risk, Data Science, and Operations to ensure seamless execution and delivery of product initiatives.
• Continuously analyze and optimize product and funnel performance using key metrics, A/B testing, and user feedback to enhance conversion, engagement, and the overall customer journey (from application to usage and repayment) and drive strategic business decisions and sustained profitability.
• Shape strategic vision for the credit line and card product, exploring new features and capabilities to expand our market presence and user base.
  
  

Qualifications

• 5+ years of product management experience in Fintech, Consumer Lending, or a closely related financial services domain.
• Strong analytical and data-driven decision-making skills, with the ability to interpret complex data, identify key insights, and translate them into actionable product strategies.
• Demonstrated ability to lead and collaborate effectively with diverse cross-functional teams including engineering, design, data science, and risk.
• Deep understanding of the credit lifecycle and factors influencing credit products, particularly in a dynamic, fast-paced environment.
  
  

Desirable Qualifications

• Experience with card issuing or processing platforms, particularly in a modern fintech environment.
• A strong understanding of consumer lending regulations and compliance specific to credit products.
• Proficiency in SQL or other data querying languages for self-serving product insights.
• Fluency in Spanish.
  
  

Benefits

• 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
• Life insurance.
• Phone finance, Headphone, home office equipment and fitness perks.
• 30 days of Christmas bonus
• 20 days paid Vacation
• 50% Vacation premium
• 13% Saving funds
• $2,000 MXN monthly grocery coupons
• $2,000 MXN monthly restaurant coupons
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
  
  

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

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