Product Manager Sênior — Saúde da Carteira | PJ

Accountabilities: Lead the continuous improvement of collection, negotiation, financial recovery, and contract termination processes. Identify opportunities to increase financial recovery, reduce payment delays, and minimize portfolio losses. Investigate operational and product challenges through data analysis, stakeholder interviews, and direct observation of existing processes. Formulate and validate hypotheses using prototypes, simulations, and pilot initiatives before committing resources to full development. Build, maintain, and prioritize the product roadmap, considering expected financial impact, implementation effort, business priorities, and associated risks. Monitor and analyze key portfolio performance indicators, including recovery rates, account regularization, PDD (allowance for doubtful accounts), and financial losses. Partner with Engineering, Design, QA, Collections, Credit, Legal, and Operations teams to define, develop, launch, and evaluate product improvements. Use measurable outcomes to guide product decisions and continuously refine the roadmap. During the first 90 days, develop a clear understanding of the portfolio and its recovery challenges, validate key indicators, establish priorities, conduct initial hypothesis tests, and assess results to guide product evolution. Requirements: Bachelor's degree, technology degree, or postgraduate qualification. Proven experience as a Product Manager, leading the full product lifecycle, including discovery, prioritization, development, and performance monitoring. Experience with financial products or operations involving credit, collections, debt recovery, or related processes. Practical experience validating hypotheses and conducting experiments before investing in product development. Strong analytical capabilities, with the ability to interpret financial indicators and use data to guide product strategy and decisions. Experience building and managing product roadmaps in collaboration with multidisciplinary teams. Strategic mindset and strong results orientation. Investigative, analytical, and critical-thinking skills, with the ability to challenge assumptions and identify root causes. Experimental mindset and familiarity with AI tools. Autonomy in decision-making and confidence negotiating priorities with different stakeholders. Strong communication and influencing skills, with the ability to connect business objectives, technology capabilities, and customer needs. Maturity and sound judgment when working with complex financial processes. Fluent Portuguese. Nice to Have: Experience in fintechs, proptechs, or operations involving FIDCs (credit rights investment funds). Knowledge of PDD, repurchase processes, and financial reconciliation. Familiarity with SQL and data analysis tools. Experience automating financial processes. Benefits: Cost allowance to support work-related expenses. Day off. Access to a wellbeing platform. Additional paid days off.