# Product Lead \[SME Credit Products\] - Company: [Platacard]() - Location: Mexico - Team: HQ - Posted: August 11, 2026 ## Job description We are looking for a **Product Lead** to own and develop the **SME Credit Products** direction within Plata Empresa. Plata Empresa is building a comprehensive banking ecosystem for small and medium-sized businesses, including current and FX accounts, business cards, deposits, payments, and acquiring. Credit products are one of the key areas of growth and monetization, with a portfolio that includes business credit cards, overdrafts, factoring, and working capital financing. In this role, you will own the **strategy and P&L of the SME credit business**, lead a team of Product Managers, and work closely with Risk to define the credit strategy. You will be responsible for the entire product portfolio and its performance — from launching and scaling individual products to managing portfolio quality, unit economics, and profitability. This is a high-ownership leadership role with the opportunity to build and scale a key business direction from the ground up. **Challenges that await you:** * Owning the strategy and P&L of the SME credit business, including product portfolio, launch priorities, and unit economics * Leading and developing a team of Product Managers responsible for individual credit products * Launching and scaling the credit product portfolio, including business credit cards, overdrafts, factoring, and working capital financing * Developing credit strategy together with Risk, including scoring models, credit limits, delinquency stages, and provisioning * Designing end-to-end credit journeys across origination, signing, disbursement, servicing, repayments, and collections, with a strong focus on automation * Building the regulatory framework together with Legal and Compliance and ensuring products meet relevant regulatory and reporting requirements * Managing key business and portfolio metrics, including portfolio volume and quality, margin, NPL, approval rate, limit utilization, and CAC/LTV * Working closely with Engineering, Analytics, Risk, Legal, Sales, and Operations to deliver and scale credit products **What makes you a great fit:** * 6+ years of experience in **Product Management within fintech or banking**, including 3+ years working with **SME / B2B credit products** * Proven experience launching credit products from scratch and managing an existing credit portfolio * Strong understanding of the full credit lifecycle, from origination and scoring to servicing and collections * Experience leading Product Managers or owning several product areas simultaneously * Strong understanding of credit product economics, including P&L, pricing, cost of risk, and provisioning * Solid knowledge of credit risk management, including scoring models, limit policies, and vintage analysis * Strong analytical and data-driven decision-making skills * B2 or higher English level for effective communication with an international team **Your bonus skills:** * Understanding of the Mexican financial and regulatory environment, including **CNBV, SAT, SPEI, and CFDI** * Hands-on experience with **SQL or Python** * Spanish language skills **Our ways of working:** * **Innovative Spirit:**A commitment to creativity and groundbreaking solutions * **Honest Feedback:** valuing open, transparent communication * **Supportive Team:**a strong, collaborative community * **Celebrating Achievements:**recognizing our wins together * **High-Tech Environment:** a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances **Our benefits:** * **Relocation support to Mexico** with assistance for the employee and their family * **Flexible work**from our office * **Healthcare** **Coverage** * **Education Budget:** Language lessons, professional training and certifications * **Wellness Budget:** Mental health and fitness activity reimbursements * **Vacation policy:** 20 days of annual leave and paid sick leave ## Apply [Apply on Platacard]() Canonical job page: