Lead Product Manager, Lending Platform

Félix; Miami (FL); Hybrid; USD 180,000 - 240,000; Full time

Benefits offered by this job

Competitive salary

Stock options

Annual performance bonus

Health plans

401(k) with employer match

Hybrid work model

Learning opportunities

Parental leave

Job summary

Félix is building a consumer lending platform starting with Send Now, Pay Later and expanding to loans, cards, and more. We seek a Lead Product Manager to own the strategy for the lending infrastructure, including bank integrations, LMS, and underwriting architecture.

You will decide what becomes reusable versus bespoke, and partner with engineering and horizontal platform teams. You will begin as a strategic leader and grow a team under you as the platform scales, reporting to the Head of

Qualifications

• 6+ years in product management with 3–4 years building or integrating reusable infrastructure components in regulated financial services.
• Experience building products from 0–1 and making architectural decisions in ambiguous environments.
• Demonstrated systems thinking and architectural judgment for scalable platforms.
• Direct experience owning build-vs-buy decisions for core financial infrastructure (LMS, bank integrations).

Responsibilities

• Define multi-year product strategy for Félix's lending platform, including bank integrations, LMS, and underwriting components.
• Make core architectural decisions about reusable capabilities vs. product-specific builds and manage trade-offs.
• Lead sponsor-bank integration layer strategy and expand partnerships to reduce concentration risk.
• Develop platform development processes and documentation standards for cross-team reuse.
• Oversee LMS and its integrations across servicing, ledger, payments, and bureau reporting.
• Collaborate with Credit Risk and Data Science to ensure reusable underwriting components.
• Lead cross-functional initiatives across engineering, risk, compliance, and external partners.
• Represent Félix in technical and commercial discussions with banks and vendors.
• Establish planning, scoping, and documentation discipline to scale the lending platform.

Skills

Product management

Infrastructure

Regulated financial services

Architectural judgment

Cross-functional leadership

English fluency

Job description

About Us

Félix is a chat-based platform that enables Latinos in the US to send money home, pioneering remittance services via WhatsApp. We combine Blockchain and Artificial Intelligence to disrupt how remittances are done today and build the future of cross-border payments.

By joining Félix, you will be part of the most innovative company in the cross-border payment industry. We recently received investment from top VCs from Silicon Valley, Europe, and Latam, as well as we won Blockchain and AI innovation and application awards at the Wharton Business School. In 2024, Félix was selected as “Endeavour Entrepreneur” by the global network and was a recipient of the CrossTech Fintech Startups Award. You will be joining the journey to build a financial platform and become a companion to the Latino community in the United States!

We're obsessed with our customers, and we're building a product that truly empowers them. We are a team of extremely talented high performers, loyal to each other, and committed to providing a magical experience to all our users. We're all owners, driven by a shared vision to create sustainable value. We move with urgency and focus, always striving for excellence and exceeding expectations.

About The Role

Félix is building a consumer lending business—starting with Send Now, Pay Later (SNPL) and expanding into personal loans, credit cards, and beyond. The engine behind all of it is a reusable lending platform: the bank integrations, loan management and servicing systems, underwriting architecture, and money movement that every credit product is built on.

We're looking for a Lead Product Manager to own the strategy for that platform. This is not a feature-shipping role. You will decide how our lending infrastructure scales to support multiple products—what becomes a shared, reusable capability versus what each product builds for itself, and the trade-offs behind those calls. You'll own the product strategy for our sponsor-bank integrations (including expanding beyond our first bank partner), our loan management system, and the architecture of our underwriting and servicing components. You'll work shoulder-to-shoulder with our engineering team and partner closely with our horizontal platform teams (payments, ledger, identity, AI), our credit risk and compliance leaders, and external partners like our sponsor bank and lending infrastructure vendors.

You’ll start as a high-impact strategist and build a team beneath you as the platform grows, beginning with a Technical Program Manager. You’ll report directly to the Head of Consumer Lending. This is one of the most strategically important roles in our lending organization, and you will operate as a peer to senior leaders across the company.

Responsibilities

• Own and author the multi-year product strategy for Félix's lending platform: how bank integrations, loan management, underwriting components, and money movement evolve to power multiple credit products at scale.
• Make the platform's core architectural product decisions—what is built once as a reusable capability versus custom-built per product—and be accountable for the trade-offs, including cost, speed, and long-term maintainability. Note, you will work closely with our Engineering Manager on the actual architecture decisions.
• Own the product strategy for our sponsor-bank integration layer, including making it bank-agnostic to support additional bank partners and reduce concentration risk.
• Develop and establish platform product development processes and documentation standards so other teams can consume reusable components.
• Drive the product direction for our loan management system (LMS) and its integrations across servicing, ledger, payments, and bureau reporting.
• Partner with Credit Risk and Data Science on the architecture of underwriting and decisioning components so they are reusable across products.
• Lead complex, cross-functional efforts across engineering, risk, compliance, finance, and the company's horizontal platform teams—exposing lending capabilities that product teams can consume, and consuming platform capabilities where they're the best option.
• Represent Félix in technical and commercial conversations with external partners, including our sponsor bank(s) and lending infrastructure vendors—including negotiating product constructs that touch new regulatory or account structures.
• Establish the planning, scoping, and documentation discipline this platform needs to scale, and help set the standard for how our lending organization plans and executes in a multi-product, matrixed environment.

Requirements

• 6+ years in product management, with 3-4 years building or integrating reusable infrastructure components in regulated financial services—lending, cards, banking, or payments. Consumer lending experience is a strong plus.
• Experience building products from 0-1. The products you will work with are new so must be comfortable making major architectural decisions with little guidance and in environments with a lot of ambiguity.
• Demonstrated systems thinking: you design for how a system scales, not just for the next feature. You can point to times you got the reusable-vs-custom call right—and times you got it wrong and what it cost.
• Deep fluency in how financial systems integrate: APIs, event-driven architectures, ledgers, and third-party platforms. You can hold your own in an architecture conversation with senior engineers and know the right questions to ask about reconciliation, idempotency, and money movement. A formal engineering background is welcome but not required—demonstrated architectural judgment matters more than credentials.
• Direct experience owning build-vs-buy decisions for core financial infrastructure (e.g., an LMS, a decisioning engine, a bank or payments integration), including living with the consequences.
• Experience working inside or alongside a regulated environment—sponsor-bank relationships, compliance functions, or bank partnerships—with the instincts to navigate them without slowing to a crawl.
• Exceptional cross-functional leadership: you've led through influence across engineering, risk, compliance, and external partners, and you've been the company's trusted face to a bank, vendor, or partner.
• Fluent English required; Spanish or Portuguese is a plus given our team and users.
• Willingness to work in a hybrid model out of Miami, or to travel frequently to Miami and to México City. Miami-based strongly preferred.

What We Offer

• Competitive salary
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• For US-based employees, 401(k) with an employer match
• Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.
• Continuous learning opportunities
• Unlimited PTOPaid parental leave
• Empowering opportunities for growth in a dynamic entrepreneurial environment

Equal Opportunity Employer

At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.

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