Product Lead, Collections (Líder de Producto, Cobranza)

The role

You will own the strategy, execution, and business outcomes for the Collections squad. You will lead a squad at the intersection of credit risk, finance operations, and customer experience to manage the collection lifecycle and delinquent portfolio tools.

What you will do

• Own discovery, prioritization, and business outcomes for the squad.
• Talk to internal finance and collections teams weekly to identify friction points and optimize tooling.
• Design and iterate on collections workflows.
• Manage delinquent portfolio tools, early delinquency signals, and regulatory compliance requirements.
• Prototype and validate product ideas using AI tools.
• Occasionally contribute code changes through standard GitHub PRs.
• Collaborate closely with engineering to support max uptime and system reliability.

Required qualifications

• Working proficiency in English.
• 5+ years in product management.
• At least 2 years owning a credit, collections, or risk-adjacent product within a fintech, bank, or lending company.
• Proven track record of moving core business metrics and taking ownership of product outcomes.
• Hands-on technical fluency with web architecture concepts (APIs, services, databases, message queuing).
• Comfortable using Github workflows (branches, commits, PRs, diffs).
• Experience or interest in AI tools to automate workflows and validate ideas.
• Strong data literacy with hands-on experience writing SQL, conducting cohort analysis, and running experiment design.
• Excellent verbal and written communication skills.
• Adaptability to fast-changing environments, operating with high agency and a bias toward action.

Nice to have

• Basic proficiency in Spanish or Portuguese or a desire to learn it.
• Cross-border experience across Latin American markets (MX, CO, BR).
• Knowledge of market-specific payment gateways, external collections agency integrations, or local debt recovery regulations.
• Independent analytical skills using spreadsheets, SQL, or Python to build custom dashboards and run deep-dive data pulls.
• A good sense of humor.

Benefits

• Competitive salary
• Stock options (ESOP) from day one
• An annual learning budget
• Accelerated development paths

About the company

Clara is the leading platform in Latin America for companies to execute and manage every payment operation. It is a team of ~400 people backed by Notable Capital, Coatue, Kaszek, monashees, DST Global, ICONIQ, General Catalyst and Goldman Sachs.