Principal Product Manager

Accountabilities: Own a core product domain, such as Credit, Risk, Payments, Core Platform, or Partner Integrations, with accountability for customer, business, and operational outcomes. Define and continuously evolve a multi-quarter product strategy and roadmap aligned with business objectives, regulatory requirements, and scalability needs. Identify, assess, and size opportunities for growth, operational efficiency, and risk reduction using customer insights, market intelligence, competitive analysis, and data. Build and manage relationships with external partners, including credit bureaus, payment networks, data providers, lenders, and other strategic technology partners, from initial evaluation through launch and optimization. Lead the complete product lifecycle, from problem discovery and framing through solution design, delivery, rollout, and post-launch improvement. Develop high-quality product documentation, including PRDs, user stories, and acceptance criteria, enabling Engineering teams to execute independently and efficiently. Own product prioritization, balancing customer value, commercial impact, risk, regulatory constraints, and technical considerations. Partner with Engineering leadership to support predictable delivery, strong technical quality, and long-term platform health. Define product KPIs and success metrics, such as activation, conversion, approval rates, loss rates, fraud, unit economics, and operational efficiency. Use experimentation, analytics, and customer feedback to make informed decisions and continuously improve product performance. Work closely with Data, Risk, and Analytics teams to establish reliable measurement, monitoring, and feedback loops. Act as a strategic product partner to Engineering, Risk, Data, Operations, Legal/Compliance, and Commercial teams, building alignment across different priorities and constraints. Communicate product vision, trade-offs, risks, and progress clearly to senior leadership and executive stakeholders. Develop deep expertise in Brazilian customer needs, behaviors, regulatory requirements, and market dynamics, incorporating these considerations into product decisions. Engage directly with customers, partners, and internal stakeholders when necessary to validate assumptions and solutions. Requirements: 10+ years of professional Product Management experience, including significant experience in fintech, financial services, financial infrastructure, or a closely related environment. Demonstrated ownership of complex, high-impact products operating within regulated or highly controlled environments. Strong experience partnering with Engineering, Data, Risk, and Analytics teams on technically sophisticated products and systems. Proven ability to operate independently, make high-stakes product decisions, and take accountability for measurable outcomes. Excellent written and verbal communication skills in both English and Portuguese. Strong analytical, structured-thinking, and problem-solving abilities, with a data-driven approach to product decisions. Comfortable navigating ambiguity, rapidly changing priorities, and situations where information may be incomplete. Strong understanding of product strategy, discovery, prioritization, experimentation, and end-to-end delivery. Deep experience within the Brazilian or broader Latin American fintech ecosystem is strongly preferred. Experience with credit products, underwriting, risk decisioning, fraud, collections, or related financial infrastructure is highly valuable. Experience building or managing B2B, platform, API-driven, or partner-facing products is advantageous. Demonstrated ability to influence product strategy beyond an immediate team or individual domain. Experience working across international and cross-functional teams in a remote environment is beneficial. Benefits: Fully remote working environment within Europe. Netherlands-based candidates are preferred, with other Europe-based candidates also considered. High level of autonomy and ownership over complex, business-critical product domains. Opportunity to work on fintech products spanning credit, payments, risk, financial infrastructure, and embedded finance. Close collaboration with experienced Engineering, Data, Risk, Commercial, Operations, and leadership teams. International exposure through collaboration with teams, partners, and stakeholders across multiple markets. Opportunity to influence product strategy and contribute to scalable financial solutions for underserved businesses. Eligible team members may have access to a performance-based Phantom Share Program designed to align participation with long-term value creation. Fast-paced, growth-oriented environment with opportunities to tackle complex product and regulatory challenges.