Product Manager - (Consignado)

This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Product Manager -- (Consignado) based in Brazil.

We are looking for an experienced Product Manager with deep expertise in payroll-deductible lending (consignado) and loan registration (averbação) to lead the development of a new digital platform for managing credit operations and available payroll margins. In this role, you will serve as the main business reference, translating complex industry regulations, operational processes, and stakeholder needs into scalable product solutions. You will oversee the product vision, functional requirements, MVP definition, and long-term roadmap for both web and mobile applications. Working closely with engineering, UX/UI, and business teams, you will ensure that product development delivers practical, compliant, and user-friendly experiences. You will also help shape integrations with financial institutions and payroll systems while identifying market opportunities and competitive differentiators. This is an exciting opportunity to take ownership of a strategic fintech product in a fully remote environment that encourages innovation, collaboration, and continuous improvement.

Accountabilities:

• Product Strategy and Vision: Lead the conception, functional definition, and continuous evolution of a digital platform for payroll margin management, credit granting, and loan registration (averbação), covering both web and mobile applications.
• Business and Industry Expertise: Act as the primary business subject matter expert for payroll-deductible lending, providing in-depth knowledge of industry processes, operational requirements, business rules, and applicable regulations.
• Functional Requirements Management: Define, structure, and document functional requirements for payroll margin inquiries and reservations, loan registration, refinancing, portability, renegotiation, settlement, cancellation, and other related operations.
• Stakeholder and Process Mapping: Identify and analyze the needs of all participants in the payroll-deductible lending ecosystem, including public-sector payroll authorities, financial institutions, public employees, retirees, and pension beneficiaries.
• Business Rules and Platform Flexibility: Map the specific operational requirements and regulations of different public-sector organizations to ensure the platform is flexible, configurable, scalable, and adaptable to different institutional environments.
• Market Research and Competitive Analysis: Conduct market research and benchmark competing solutions to identify essential functionalities, market trends, innovation opportunities, and competitive advantages.
• Product Roadmap and MVP Definition: Collaborate with business and technology teams to establish the product vision, define functional scope, prioritize the Minimum Viable Product (MVP), and build the product development roadmap.
• Feature Prioritization and User Experience: Define and prioritize requirements, product functionalities, user journeys, and acceptance criteria, working closely with development and UX/UI teams.
• Development Coordination: Follow the product development lifecycle, clarify functional questions, validate business rules, and ensure delivered solutions meet business objectives and requirements.
• Functional Testing and Validation: Participate in functional acceptance testing by defining test scenarios, validating business processes, and confirming that developed functionalities operate as expected.
• Systems Integration: Support the definition of integrations with payroll management systems, financial institutions, and other platforms within the payroll-deductible lending ecosystem.
• Knowledge Sharing: Transfer and distribute specialized industry knowledge across internal teams, strengthening technical and business capabilities while reducing dependence on external consultants.
• Continuous Product Improvement: Drive ongoing product enhancements based on customer needs, regulatory changes, market developments, commercial opportunities, and evolving business priorities.

Requirements:

• Education: Bachelor's degree in Business Administration, Information Systems, Economics, Accounting, Engineering, or a related field.
• Industry Experience: Demonstrated professional experience in payroll-deductible lending (consignado) and loan registration (averbação), preferably within companies specializing in payroll margin management platforms.
• Business Rules and Processes: In-depth knowledge of payroll-deductible lending operations, including credit granting, available margin inquiries, margin reservations, loan registration, and ongoing loan administration.
• Requirements Analysis: Proven experience gathering, analyzing, structuring, and documenting functional business requirements.
• Business-to-Technology Translation: Ability to transform complex business needs, operational processes, and regulatory requirements into clear and actionable specifications for technology teams.
• Product Management Experience (Desirable): Previous experience as a Product Manager, Product Owner, Product Specialist, Senior Business Analyst, or Functional Consultant.
• Relevant Platforms (Desirable): Experience with payroll-deductible lending platforms such as Server Consignados, eConsig, Neoconsig, or equivalent solutions.
• Public-Sector Expertise (Desirable): Knowledge of the specific payroll-deductible lending rules and processes applied by municipal, state, and federal public-sector organizations.
• Digital Product Development (Desirable): Experience conceptualizing, implementing, launching, or evolving digital products.
• Agile Methodologies (Desirable): Familiarity with agile frameworks and practices, particularly Scrum and Kanban.
• Product and Collaboration Tools (Desirable): Experience with Jira, Azure DevOps, Confluence, Figma, or equivalent tools.
• Technical Knowledge (Desirable): Basic understanding of APIs, systems integration, and SQL.
• Additional Qualifications (Desirable): Postgraduate studies, an MBA, or certifications related to product management and business analysis.
• Soft Skills and Professional Competencies:
• Project Leadership: Ability to guide teams, influence decisions, and coordinate initiatives even without formal management authority.
• Proactivity and Ownership: Self-driven approach, initiative, and willingness to identify opportunities, propose solutions, and experiment with new approaches.
• Communication: Strong communication and presentation skills, with the ability to interact confidently with technical teams, executives, customers, and business partners.
• Strategic and Business Acumen: Ability to understand market dynamics, competition, revenue opportunities, and broader business objectives.
• Analytical Thinking and Organization: Strong ability to break down complex business rules and transform them into clear, structured, and actionable requirements.
• Negotiation and Prioritization: Sound judgment and decision-making skills when balancing competing demands, stakeholder expectations, and product priorities.
• Collaboration: Ability to work effectively with multidisciplinary teams and build productive relationships across different business areas.
• Innovation and Critical Thinking: Curiosity, adaptability, and a continuous improvement mindset.
• Knowledge Sharing: Willingness to mentor colleagues, communicate expertise, and develop internal capabilities.

Benefits:

• Employment Contract: Formal CLT employment arrangement with benefits.
• Remote Work: Fully remote working model, offering flexibility and convenience.
• Meal and Food Allowance: VA/VR benefits to support everyday expenses.
• Healthcare: Comprehensive medical insurance.
• Continuous Learning: Ongoing training and professional development opportunities to help you stay current with industry trends and technologies.
• Birthday Day Off: An additional day off during your birthday month.
• Fitness and Wellness: Wellhub (formerly Gympass) membership for physical activities and well-being.
• Mental Health and Personal Support: Pluxe-Cuida program offering psychological, financial, and legal assistance.
• Culture and Leisure: Access to SESC benefits and services, including cultural, recreational, and wellness activities.
• Extended Parental Leave: Extended paternity leave to provide additional time with your family.
• Professional Growth: An innovative and collaborative environment that encourages knowledge sharing, career development, and continuous improvement.