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.