Product Manager (Pix-Regulatório)

Accountabilities:

• Lead and manage the product roadmap for Pix regulatory initiatives, covering DICT, MED, judicial and regulatory requests, and compliance requirements.

• Translate complex Central Bank regulations, resolutions, and technical manuals into clear product requirements, business rules, and acceptance criteria.

• Monitor regulatory developments, anticipate their impact on existing products, and coordinate timely implementations to meet mandatory deadlines.

• Collaborate with Legal, Compliance, Anti-Money Laundering (AML), Fraud Prevention, Operations, and Customer Support teams to ensure regulatory alignment and sound product decisions.

• Improve DICT and MED workflows, including key management, portability, key claims, fraud notifications, fraud marking, precautionary blocking, and transaction refunds.

• Ensure judicial and regulatory authority requests are handled efficiently, with appropriate traceability and compliance with legal deadlines.

• Identify opportunities to automate manual operational processes, reducing costs, operational risks, and reliance on manual intervention.

• Define, monitor, and report product and operational KPIs, including regulatory compliance, fraud prevention, processing deadlines, and operational efficiency.

• Make data-driven product decisions, establishing measurable objectives and tracking performance indicators to guide continuous improvement.

• Break down complex initiatives into smaller, valuable deliverables, removing obstacles and ensuring consistent progress across multidisciplinary teams.

• Identify opportunities to improve customer journeys, engagement, and conversion through strategic product enhancements.

• Coordinate product changes and stakeholder communications, ensuring relevant internal teams and customers are informed and aligned.

• Support product testing, homologation processes, and interactions with the Central Bank when required.

• Maintain up-to-date product and regulatory documentation while sharing knowledge across teams to reduce dependency on individual expertise.

Requirements:

• Previous experience as a Product Manager, with a strong focus on digital products and user journeys.

• Solid experience managing financial, payment, fintech, or highly regulated products.

• In-depth knowledge of the Brazilian Pix payment ecosystem, including its regulatory framework, DICT, MED, and fraud notifications.

• Practical experience with regulatory and compliance matters, working closely with Legal, Compliance, and other control functions.

• Ability to interpret regulatory requirements and translate them into functional specifications, business rules, product requirements, and acceptance criteria.

• Experience managing complex initiatives with strict deadlines, multiple stakeholders, and cross-functional dependencies.

• Strong analytical skills and experience using product metrics and data to support strategic decisions.

• Ability to assess risks and balance regulatory compliance, security, fraud prevention, and customer experience.

• Excellent written and verbal communication skills, with the ability to present complex information clearly to technical and non-technical audiences.

• Familiarity with user-centered design methodologies, such as Design Thinking, and UX/UI principles, enabling effective collaboration with Design teams.

• Experience working with technology squads and product management tools such as Jira and Confluence.

• Strong prioritization, problem-solving, and stakeholder management skills.

Nice to have:

• Previous experience working in a fintech or financial institution.

• SQL knowledge and experience analyzing product or operational data.

• Experience developing and scaling digital products.

• Professional training or certifications in Product Management, including programs from Tera, PM3, or similar institutions.

• Knowledge of AML/CTF, fraud prevention, and Brazil's General Data Protection Law (LGPD).

• Experience with regulatory homologation processes or direct interactions with the Central Bank of Brazil.

• Previous experience automating operational workflows and processes.

Benefits:

• CLT employment contract (Brazilian formal employment).

• Fully remote work possibilities, allowing you to work from different locations across Brazil.

• Medical and dental insurance with no copayments.

• Life insurance.

• Medication allowance.

• Physical activity and wellness allowance.

• Financial wellness support through a dedicated partner platform.

• Mental health support through Zenklub, including four free monthly therapy or nutritionist sessions.

• Flexible meal and food allowance through a Visa benefits card.

• Free food options at the company's headquarters.

• Childcare assistance.

• Parental support program.

• Extended maternity and paternity leave.

• Education assistance covering up to 70% of eligible undergraduate and language course tuition.

• Financial support for professional courses, books, and learning materials.

• Access to an internal training platform.

• Home office allowance and work equipment.

• Furniture allowance to improve your remote working setup.

• Access to coworking spaces throughout Brazil through a partner network.

• Birthday month day off.

• Happy hour allowance.

• Employee referral bonuses.

• Annual performance-based bonuses.

• Stock Options program.

• Flexible, informal work environment with no dress code.

• Standard working schedule of 8 hours per day, Monday through Friday.