Head of Cash Loans & Credit Lines

At NOVACARD, we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico, designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals.

About the Role:

We are looking for a strong Product Manager to lead the development and growth of our cash loans and credit lines portfolio for the Near Prime segment. You will be fully responsible for building and scaling these products, owning their P&L, and delivering a seamless customer experience across every touchpoint. This is a role for someone who can balance customer desirability, technological feasibility, and business profitability — turning constraints into competitive advantages. The role is mostly remote, with business trips when required.

Key Responsibilities:

• Define product strategy and roadmap for Cash Loans and Credit Lines tailored to Near Prime customers, based on market analysis and competitive monitoring.

• Design compelling value propositions that balance customer attractiveness with tech feasibility, regulatory constraints, and financial efficiency.

• Own full product P&L and key performance metrics: time-to-yes, time-to-cash, activation and usage rates, balance per customer, profitability, vintage risk quality, and attrition. Initiate data-driven changes to meet target KPIs.

• Architect end-to-end customer journeys, covering legal, financial, and technology layers to ensure seamless onboarding and lifecycle management — from acquisition and activation to active usage and retention.

• Develop partnership integration concepts with online/offline retailers and other channels to drive customer acquisition.

• Continuously analyze and improve unit economics (UE) for each product, increase customer segment LTV, and boost overall portfolio efficiency.

• Build and manage end-to-end product management processes for the Cash Loans and Credit Lines stream. Define a success matrix for new products and initiatives.

• Collaborate cross-functionally with risk, marketing, IT, finance, and legal teams (both locally and with headquarters). Collect and incorporate feedback from all stakeholders.

• Drive continuous improvement of customer experience (CJM) through product and process optimization. Ensure new features and products meet cost, quality, and performance targets.