Senior Product Owner – Payroll-Deductible Loans, Digital Account

AsapTech

Product 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.

Posted 7/7/2026full-timeBarueri • 🇧🇷 BrazilSenior💰 R$0 - R$16,000 per monthWebsite

Tech Stack

Tools & technologies

Azure

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Granting PoliciesDecision EnginesPerformance Indicators AnalysisConversion Metrics AnalysisArtificial IntelligencePredictive ModelsOpen Finance KnowledgePayment Methods Knowledge

Soft Skills

CollaborationStrategic AlignmentContinuous Improvement

Certifications

Product OwnershipProduct ManagementCSPOPSPOScrum Master