Senior Product Manager

About the Role

Key Responsibilities

• Create a roadmap to deliver a line of products across all PayJoy markets with features such as deposits/withdrawals (cash, bank transfers, card, bill-pay) and rewards/yield.
• 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.
• Work closely with legal, engineering, stakeholders, and existing finance engine leadership to deliver high-quality solutions that balance legal requirements and seamless execution.
• 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 repayment.
• Analyze and leverage data (ability to write and interpret SQL queries) to identify anomalies, understand operations, and validate new releases.
• Stay informed about emerging product trends, regulatory requirements, and industry technologies, exploring new features and capabilities to expand market presence and user base.
• Collaborate with internal teams to implement KPIs and monitoring systems to track deposit performance, including unit economics and P&L impact.

Requirements

• Bachelor's degree in a technical discipline such as computer science, software engineering, or a related field.
• 6+ years of product management experience within financial services for fintech, consumer lending, or a closely related domain.
• Demonstrated ability to lead and collaborate effectively with diverse cross-functional teams including engineering, design, data science, and risk.
• Proven ability to manage and prioritize multiple initiatives in a fast-paced environment.
• 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.
• Experience with card issuing or processing platforms, particularly in a modern fintech environment.
• Deep understanding of the credit lifecycle and factors influencing credit products, especially in a dynamic environment.
• Proficiency in SQL or other data querying languages for self-serving product insights.

Nice to Have

• Experience with card issuing or processing platforms in a fintech environment.
• Deep understanding of the credit lifecycle and factors influencing credit products.

Benefits & Perks

• 100% Company-funded Health, 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.