Bnpl Lead

Joom; Lisboa; Hybride; EUR 120 000 - 180 000; Plein temps

Avantages offerts par ce poste

Health insurance

Meal allowance

Sick leave with pay

Remote work options 52 days/year

English courses

Team building & trainings

Résumé du poste

JoomFunding seeks an experienced product leader to own Joom Financing, a post-payment credit line for B2B wholesale purchases. You’ll drive strategy and metrics, build AI-based scoring, and partner with ML engineers and legal teams to scale the product.

Relocation to Lisbon or LatAm is supported; office-first with flexible remote options. You’ll oversee client scoring, documentation, and unit economics, while collaborating with developers, designers, lawyers, and external partners across

Qualifications

• Background in fintech and/or e-commerce, with understanding of business financing.
• Product background: experience building a product and working hands-on with developers and ML engineers.
• Strong analytical mindset: able to work with large datasets and scoring models using AI.
• Experience of owning a product as a business: P&L, legal setup, go-to-market.

Responsabilités

• Own the P&L of Joom Financing and drive the product strategy.
• Develop the credit line product end to end: scoring, documents, legal, landing pages.
• Build AI-based scoring models evaluating client and goods.
• Analyze model performance and optimize credit scoring with ML support.
• Deliver on key metrics including default rate.
• Collaborate with developers, ML engineers, lawyers, growth, and external consultants.
• Incorporate fulfillment as collateral within financing.
• Support structuring for external capital in China and Brazil.

Connaissances

Fintech experience

E-commerce experience

Product management

Data analysis

ML / AI tooling

Credit scoring

P&L ownership

Legal/document familiarity

Independent / self-driven

Relocation willing

Outils

AI tools

Description du poste

JoomPro is the first and only end-to-end cross-border B2B marketplace. It serves small, medium, and large businesses, handling orders of any size from start to finish. Today, JoomPro operates in Brazil and Mexico, with plans to expand into other markets.

JoomPro is one of the key businesses of Joom, an international tech-centric group of e-commerce companies founded in 2016 in Latvia. Joom Group also includes other businesses: Joom, a global cross-border marketplace; JoomPulse, an AI analytics tool for Mercado Livre sellers; and Onfy, a pharmaceutical marketplace in Germany. Joom Group has offices in Latvia, China, Portugal, Germany, and Brazil, with its headquarters in Lisbon, Portugal. We work as one international team, sharing knowledge and collaborating across countries, businesses and products.

We are looking for an experienced product leader who will take full ownership of Joom Financing — a post-payment product that gives B2B customers credit lines for wholesale purchases. The product is already live, and the next steps are AI-based scoring, the launch of Financing + Fulfillment, and attracting external capital to scale it.

Responsibilities

• Own the P&L of Joom Financing and drive the strategy of the product
• Develop the credit line product end to end: client scoring, document flow, legal structure, landing pages and unit economics
• Build AI-based scoring models, including product-based scoring that evaluates both the client and the goods
• Work with the data yourself: analyse the model and optimise the credit scoring formula, with support from an ML specialist when needed
• Deliver on target metrics, including the default rate
• Work directly with developers and ML engineers, and with cross-functional resources: lawyers, designers, the growth team and external consultants in Brazil
• Incorporate the fulfillment service into financing as a collateral instrument
• Contribute to structuring the scheme for attracting external capital in China and Brazil

• Background in fintech and/or e-commerce, with an understanding of how financing for businesses works
• Product background: experience building a product and working hands-on with developers and ML engineers
• Strong analytical mindset: able to work with large datasets and scoring models on your own, using AI instead of specialised BI tools
• Experience of owning a product as a business, not only as an IT product: P&L, legal setup, design and go-to-market
• Ability to run the direction independently, with minimal management from above
• Ability to get up to speed quickly on legal documents, processes and new domains
• Readiness to work from the office in Lisbon or Latam, relocation supported

Preferred

• Combination of fintech and e-commerce experience
• Knowledge of the Brazilian market and experience across Latam
• Understanding of credit scoring and ML models

• Compensation package: base salary and performance-based bonuses
• Office-first: flexible hours with a possibility to work remotely 52 days per year, and 22 days of paid annual leave
• Care & Wellbeing: health insurance (including dental care) for employees and their children, daily meal allowance, and 100% paid sick leave
• AI-first approach: licenses and access to a wide range of AI tools
• Team & Growth: collaboration with colleagues across Portugal, Brazil, Latvia and China, with opportunities for promotions, professional trainings, and English courses
• Community & Engagement: annual team building activities, knowledge-sharing workshops, and a strong sense of team work
  

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