Product Manager – Payroll-Deducted Loans

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Take the lead in designing, defining functionalities, and advancing a platform dedicated to managing payroll-deducted loan capacity, loan origination, and registration, which includes a web portal and mobile application.

• Act as the primary business subject-matter expert for the product, leveraging knowledge of the market, operational processes, business rules, and payroll-deducted loan regulations.

• Structure and define functional requirements for capacity inquiries, reservations, registration, refinancing, portability, renegotiation, settlement, and cancellation.

• Analyze and map the processes and requirements of involved government entities, lending institutions, public-sector employees, retirees, and pensioners.

• Identify the regulations of various public entities to create a flexible, configurable, and scalable platform.

• Conduct market analysis and benchmark against competing solutions.

• Establish the product vision, functional scope, MVP, and roadmap in collaboration with the business and technology teams.

• Develop and prioritize requirements, features, user journeys, and acceptance criteria, assisting both development and UX/UI teams.

• Oversee development, clarify functional queries, validate business rules, and ensure deliverables align with requirements.

• Engage in functional acceptance testing by defining test scenarios and validating business processes.

• Facilitate integrations with payroll systems, financial institutions, and other platforms.

• Share and transfer expertise in payroll-deducted lending with the team.

• Contribute to the continuous evolution of the product, taking into account customers, regulatory changes, market trends, and commercial opportunities.

⛳️ Requirements

• Bachelor’s degree in Business Administration, Information Systems, Economics, Accounting, Engineering, or a related discipline.

• Proven experience in the payroll-deducted lending and loan-registration sector, ideally with companies focused on payroll-deducted loan capacity management platforms.

• Comprehensive understanding of the rules and procedures regarding loan origination, capacity reservation, registration, and administration of payroll-deducted loans.

• Demonstrated experience in gathering, analyzing, and documenting functional requirements.

• Capability to convert business needs into precise specifications for technology teams.

• Prior experience as a Product Manager, Product Owner, Product Specialist, Senior Business Analyst, or Functional Consultant.

• Familiarity with platforms such as Server Consignados, eConsig, Neoconsig, or similar solutions.

• Knowledge of the specific requirements for payroll-deducted loans within municipal, state, and federal government entities.

• Experience in designing, implementing, or enhancing digital products.

• Understanding of Agile methodologies such as Scrum and Kanban.

• Proficiency with tools like Jira, Azure DevOps, Confluence, Figma, or equivalent platforms.

• Basic knowledge of APIs, system integrations, and SQL.

• Strong communication and analytical skills, along with autonomy and strategic vision.

• A postgraduate degree, MBA, or certifications related to product management and business analysis are preferred.

🏝️ Benefits

• Ongoing training to help you stay ahead

• Meal and food allowance for your day-to-day comfort

• Comprehensive health insurance for your well-being

• Day off during your birthday month

• Wellhub (formerly Gympass)

• Pluxe-Cuida, providing psychological, financial, and legal support

• SESC benefits for leisure, culture, and well-being

• Extended paternity leave