Product Manager Sênior — Saúde da Carteira

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Product Manager – Portfolio Health (PJ Contractor) based in Brazil.

In this role, you will lead the evolution of financial collection, negotiation, and recovery journeys, helping improve portfolio performance and long-term financial sustainability. You will identify opportunities to increase recovery rates, reduce overdue payments, and minimize financial losses through data-driven product decisions. Combining strategic thinking with hands-on discovery and experimentation, you will investigate operational challenges and validate solutions before committing to development. You will own product priorities and roadmap decisions, balancing financial impact, implementation effort, and risk. Working closely with Engineering, Design, QA, and business teams, you will turn complex financial needs into practical product improvements. This is a senior-level, fully remote opportunity under a Brazilian independent contractor (PJ) arrangement.

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.

How Jobgether Works

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

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