Senior Product Manager – Digital Credit and Payments

🕒 May 23

🏢🏡 São Paulo – Hybrid

⏰ Full Time

🟠 Senior

✅ Product Manager

🗣️🇧🇷🇵🇹 Portuguese Required

Apply Now
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Logo of Koin

Koin

WebsiteLinkedIn

201 - 500 employees

Founded 2014

💳 Fintech

🔐 Security

☁️ SaaS

Fintech • Security • SaaS

Koin is a Brazilian payments and fraud-prevention company that provides AI-powered anti-fraud solutions and payment products for merchants, including Pix parcelado (BNPL) and a payment gateway. It helps e-commerce businesses increase conversion and reduce fraud losses by combining machine learning, expert rules, real-time detection and recovery strategies, and operates as a licensed payment institution/correspondent under Brazilian regulations.

📋 Description

• Lead the evolution of digital credit and payments products in a strategic partnership context. • Identify opportunities to expand the current portfolio and drive the development of new credit capabilities. • Manage the end-to-end user journey at checkout, identifying conversion bottlenecks and prioritizing improvements with direct impact on TPV, activation, and retention. • Continuously monitor product performance (funnels, cohorts, delinquency) and turn data into roadmap decisions. • Operate in a high-complexity environment, coordinating internal credit, risk, technology, and operations teams, as well as interfaces with external partners. • Structure alignments with multiple stakeholders, ensuring roadmap visibility, mapped dependencies, and documented decisions. • Act as the product point of contact in interfaces with risk, compliance, legal, and technology teams.

🎯 Requirements

• Minimum of 3 years' experience as a Product Manager in fintechs or digital payments companies. • Proven track record of launching and evolving credit products. • Ability to operate in high-complexity environments with multiple teams and stakeholders involved (technical, business, and external partners). • Experience with checkout products or payment journeys in digital retail. • Strong experience in data analysis and processing to generate actionable insights that guide the roadmap and strategic business decisions.

🏖️ Benefits

• Life insurance • Health and dental plan • Transportation voucher • Meal and grocery vouchers (VR + VA) • Childcare assistance • Extended parental leave • Total Pass or Wellhub • WFA (Work From Anywhere) • Discounts on Decolar.com • Golden Farma • Home office allowance

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