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Senior Product Owner – Payroll-Deductible Loans, Digital Account
AsapTechProduct Owner Sênior overseeing the evolution of credit and digital account products for ASAPTECH. Leading cross-functional teams to deliver scalable financial solutions aligning with regulatory requirements.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in managing payroll-deductible loan products and optimizing digital onboarding journeys, with a strong focus on integrating financial institutions and leveraging data-driven insights for product development.
Highest-signal resume keywords
Payroll-Deductible Loan ProductsCredit Engine DevelopmentDigital Onboarding OptimizationAgile MethodologiesData-Driven Management
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Granting PoliciesDecision EnginesPerformance Indicators AnalysisConversion Metrics AnalysisArtificial IntelligencePredictive ModelsOpen Finance KnowledgePayment Methods Knowledge
Soft Skills
CollaborationStrategic AlignmentContinuous Improvement
Tools & Technologies
JiraAzure DevOps
Certifications & Qualifications
Product OwnershipProduct ManagementCSPOPSPOScrum Master
Industry Keywords
FintechNeobanksBanking-as-a-ServiceFGTSINSSSIAPE
Tech Stack
Tools & technologiesAzure
About the role
Key responsibilities & impact- Lead the evolution of FGTS and e-Trabalhador payroll-deductible loan products (INSS, SIAPE and private sector)
- Map, design and optimize the end-to-end loan application and contracting journey
- Prioritize and manage the product backlog, aligning deliveries with business strategy
- Define and oversee integrations with financial institutions, credit bureaus, processors and strategic partners
- Contribute to the evolution of the Credit Engine, including decision rules, artificial intelligence, predictive models and governance
- Identify opportunities to develop and launch new financial products
- Monitor performance indicators, conversion metrics, operational efficiency, portfolio quality and customer experience
- Drive the evolution of the digital account, including onboarding, account transactions and new features
- Propose continuous improvements to journeys, processes and digital experiences
- Collaborate with cross-functional teams, ensuring alignment between business, technology and regulatory requirements
- Support the definition of requirements, business rules and acceptance criteria for developed features
- Ensure delivered solutions are aligned with the company's strategic goals and customer needs
Requirements
What you’ll need- Experience with payroll-deductible loan products (FGTS, INSS, SIAPE or private sector)
- Experience in financial institutions, fintechs, neobanks or Banking-as-a-Service (BaaS) companies
- Knowledge of credit engines, decision engines and credit-granting policies
- Experience integrating with credit bureaus, registries and financial institutions
- Knowledge of Open Finance, PIX, digital accounts and payment methods
- Experience defining and optimizing digital onboarding and product acquisition journeys for financial products
- Experience analyzing business indicators (KPIs), conversion metrics and data-driven management
- Knowledge of artificial intelligence, predictive models or data enrichment applied to the financial market
- Experience working in agile environments using Scrum, Kanban and tools such as Jira or Azure DevOps
- Certifications in Product Ownership, Product Management or agile methodologies (CSPO, PSPO, Scrum Master, etc.)
Benefits
Comp & perks- Health insurance
- Dental insurance