Product Lead, Collections (Líder de Producto, Cobranza)

What you'll do

We're looking for a Product Lead, Collections to own the strategy, execution, and business outcomes for our Collections squad at Clara. In this role, you will lead a squad sitting at the intersection of credit risk, finance operations, and customer experience—ensuring we recover what's owed efficiently, compliantly, and without compromising customer trust. You will partner with senior software engineers alongside Risk, Finance, Legal, and Customer Support to drive the end-to-end collection lifecycle, lending facilities management, and delinquent portfolio tools.

• Own discovery, prioritization, and business outcomes for the squad, driving impact across recovery rates, days-to-resolution, roll rates, and operational costs.

• Talk to internal finance and collections teams weekly to identify friction points, automate manual tasks, and optimize internal operational tooling.

• Design and iterate on collections workflows, ranging from automated early-stage nudges and digital payment use cases to late-stage escalation paths and external partner handoffs.

• Manage delinquent portfolio tools, early delinquency signals, and regulatory compliance requirements across our core Latin American markets (Mexico, Colombia, and Brazil).

• Prototype and validate product ideas using AI tools before committing engineering bandwidth, occasionally contributing code changes (copy, configuration, feature flags, or analytics instrumentation) through standard GitHub PRs.

• Collaborate closely with engineering to support max uptime, system reliability, and rapid recovery processes.

Who you are

We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.

Must haves

• Working proficiency in English.

• 5+ years in product management, with at least 2 years owning a credit, collections, or risk-adjacent product within a fintech, bank, or lending company.

• Proven track record of directly moving core business metrics and taking full ownership of product outcomes from discovery to execution.

• Hands-on technical fluency with web architecture concepts (APIs, services, databases, message queuing) and comfortable using Github workflows (branches, commits, PRs, diffs).

• Experience or interest in AI tools to automate workflows, validate ideas early, and optimize day-to-day work.

• Strong data literacy with hands-on experience writing SQL, conducting cohort analysis, and running experiment design.

• Excellent verbal and written communication skills with demonstrated ability to drive cross-functional alignment across technical and non-technical stakeholders.

• Adaptability to fast-changing environments, operating with high agency and a bias toward action.

Nice to haves

• Basic proficiency in Spanish or Portuguese or a desire to learn it.

• Cross-border experience across Latin American markets (MX, CO, BR), including 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.

Where we work

This is a hybrid role: you'll split your time between the office, customers and home. We don't set a minimum number of office days for most roles — you'll spend time in the office naturally, and most days during your ramp-up or when your leader asks.