Senior Product Manager — Fintech / Lending / Cards
Company: Punto Pago
Location: Panama / Remote
Employment type: Full-time
Seniority: Senior Product Manager
Direction: Fintech, lending, credit cards, credit line, BNPL, debit cards
About Punto Pago
Punto Pago is a fast-growing fintech and payments company in Panama. We are building a financial platform that combines payments, cards, credit products, remittances, marketplace and digital financial services.
We already serve a large customer base through our payments ecosystem and are now scaling financial products on top of this distribution. Our goal is to convert everyday payment users into long-term financial clients by offering simple, transparent and accessible financial products.
At this stage, product management is not only about launching features. It is about building financial products that grow usage, improve conversion, increase portfolio quality, protect unit economics and create sustainable profitability.
About the role
We are looking for a Senior Product Manager with strong experience in fintech, lending and/or cards to lead the development and growth of our fintech products.
This person will be responsible for shaping and executing the product roadmap across credit line, credit cards, debit cards, BNPL and related financial services.
The role requires someone who can connect customer behavior, product mechanics, credit risk, underwriting logic, portfolio performance, compliance, operations and financial results into one clear product strategy.
We do not need a feature owner. We need a product leader who understands how lending products make money, where they create risk, what drives repayment behavior, and how to scale financial products responsibly.
Role mission
Build and scale fintech products that increase customer engagement, grow the credit portfolio, improve risk-adjusted profitability and strengthen Punto Pago’s position as a leading financial platform in Panama.
Key responsibilities
Product strategy and roadmap
- Own the fintech product roadmap across lending, cards and related financial services.
- Translate company goals into clear product priorities and measurable initiatives.
- Define product strategy for credit line, credit cards, BNPL and debit card usage.
- Prioritize initiatives based on business impact, risk, customer value, complexity and expected financial return.
- Work closely with the CEO, Head of Fintech, Risk, Technology, Marketing, Operations and Compliance.
- Build product logic that supports both growth and portfolio discipline.
Lending and credit products
- Lead product development for credit line, credit cards and BNPL.
- Improve approval, activation, usage, repayment and repeat borrowing mechanics.
- Work with Risk on eligibility rules, limit logic, scoring inputs, segmentation and risk-based pricing.
- Design product flows that improve customer experience without increasing uncontrolled credit exposure.
- Help define mechanics for credit limit increases, installments, repayment nudges and collections triggers.
- Identify product changes that can reduce early delinquency and improve portfolio quality.
Cards and payments usage
- Increase debit and credit card activation, transaction frequency and usage.
- Improve card onboarding, first transaction, repeat usage and retention.
- Develop product initiatives around card value proposition, payment behavior and merchant acceptance.
- Work with Marketing and CRM to drive targeted campaigns based on customer segments.
- Use transaction data to identify cross-sell and upsell opportunities.
Funnel and customer journey
- Own the full customer journey from eligibility to application, approval, activation, usage, repayment and reactivation.
- Analyze funnel drop-offs and define actions to improve conversion.
- Reduce unnecessary friction in onboarding, KYC and product discovery.
- Build product experiments to improve activation and engagement.
- Ensure product communication is simple, transparent and aligned with regulatory expectations.
Metrics and business performance
- Own key fintech product metrics.
- Track portfolio growth, approval rates, activation, utilization, repayment behavior, NPL, revenue, margin, CAC, payback and retention.
- Work with analytics to build clear dashboards and decision-making tools.
- Identify weak points in unit economics and recommend corrective actions.
- Prepare structured product updates for management and board-level discussions.
Cross-functional execution
- Lead execution across technology, risk, operations, compliance, customer support and marketing.
- Write clear product requirements, business cases, user stories and acceptance criteria.
- Manage trade-offs between speed, risk, customer experience, compliance and technical complexity.
- Ensure timely delivery of product initiatives.
- Bring discipline, structure and accountability to the fintech product process.
Requirements
Must-have
- 5+ years of product management experience.
- 3+ years of experience in fintech, lending, cards, consumer finance, digital banking or payments.
- Direct experience with at least one of the following: credit cards, consumer lending, BNPL, credit line, debit cards or digital financial products.
- Strong understanding of product funnels, activation, retention and monetization.
- Ability to work with credit risk, underwriting logic, limits, repayments and portfolio metrics.
- Strong analytical mindset and comfort working with data.
- Experience building product roadmaps and prioritizing based on impact.
- Ability to write clear product requirements and coordinate execution with engineering teams.
- Strong ownership and ability to operate in a fast-moving environment.
- Business-level English or Spanish.
Strong advantage
- Experience with revolving credit products.
- Experience with Mastercard / Visa card products.
- Experience in Latin America or emerging markets.
- Understanding of NPL, delinquency buckets, vintage/cohort analysis, risk-based pricing and credit limit management.
- Experience working with credit bureaus, alternative data or internal scoring models.
- Experience in a startup, scale-up, neobank, lending platform or digital wallet.
- Experience with CRM, lifecycle campaigns and product-led growth.
- Ability to communicate product performance to senior management, investors or board members.
