Product Owner - Empréstimo

Come Make an Impact on Millions of Brazilians!

Do you want to make a difference in the lives of millions of Brazilians? At RecargaPay, we create accessible and innovative financial solutions that transform how people interact with money. Join us on this journey of impact and innovation, connecting people with opportunities that truly make a difference in their daily lives.

Our purpose is to provide the best mobile payment experience for Brazilians by solving real problems with smart solutions—such as Pix Parcelado—while staying ahead of market trends and customer needs. Here, we value collaboration, ownership, and a relentless pursuit of results, always striving for excellence in every interaction.

If you're looking to be part of a dynamic environment that challenges the status quo and puts people at the center of decision-making, RecargaPay is the perfect place for you to grow, co-create, and impact lives!

We are seeking an experienced and customer-focused Product Owner to join the Lending Squad at RecargaPay. In this role, you will take ownership of the end-to-end lifecycle of loan products - defining the vision, shaping the roadmap, and leading cross-functional execution. You’ll partner with engineering, design and credit teams to deliver lending experiences that drive growth, improve user engagement, and enhance financial inclusion.

Key Responsibilities

• Lead Product Vision & Roadmap: Define and articulate a clear vision and strategy for loan products based on market needs, user feedback, and business objectives. Transform this vision into a structured roadmap with clear priorities and milestones.
• Define & Deliver Product Requirements: Translate user problems and business goals into detailed product requirements, user stories, and acceptance criteria. Ensure features are well-scoped, deliverable, and aligned with stakeholder expectations
• Drive Agile Product Development: Own the product backlog and lead ceremonies including sprint planning and backlog grooming. Set sprint goals and ensure timely and high-quality delivery of features.
• Collaborate Across Teams: Work closely with engineering to deliver technically sound solutions, with design to ensure great user experience, and with credit team to align product outcomes with portfolio strategies and profitability.
• Optimize User Experience: Champion the voice of the customer by integrating feedback, conducting usability assessments, and collaborating on product discovery efforts. Prioritize features that enhance user trust, engagement, and repayment behavior.
• Monitor Product Performance & Impact: Define and track product success metrics. Partner with analytics and business teams to assess feature adoption, user behavior, and portfolio impact. Use insights to refine the roadmap and inform future decisions.

Own Go-To-Market & Launch Plans: Coordinate product releases in alignment with internal stakeholders. Ensure clear communication, training materials, and support for successful product launches.

Requirements

• Proven Product Experience: 2+ years as a Product Owner or Product Manager, ideally in fintech, lending, or financial services.

• Agile Delivery Leadership: Strong experience leading Agile squads, managing backlogs, and delivering digital products in iterative cycles.
• Customer-Centric Mindset: Passion for solving real user problems with thoughtful, intuitive product solutions.
• Strategic Thinking: Ability to prioritize initiatives based on user value, technical feasibility, and business impact.
• Cross-Functional Collaboration: Excellent communication skills and the ability to align stakeholders across engineering, design, credit, and operations.
• Business Awareness: Understanding of credit products, loan lifecycle, and financial KPIs such as default rates, cost of acquisition, and portfolio health.
• Educational Background: Bachelor’s degree in Business, Engineering, Design, or related fields.

Nice-to-Have Skills

• Fintech or Credit Experience: Familiarity with consumer credit products, risk models, or digital lending operations.
• UX & Design Partnership: Experience collaborating closely with design teams on user research, wireframes, and product discovery.
• Experimentation Culture: Exposure to A/B testing, hypothesis-driven development, and iterative innovation.
• Technical Fluency: Ability to understand technical architecture and evaluate trade-offs in backend/frontend development.
• Process Optimization: Experience improving product delivery workflows, QA practices, and post-launch operations.

Benefits

• Competitive and market-aligned salary.

• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.

Diversity & Inclusion at RecargaPay

At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the Use of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).