Vivo (Telefônica Brasil)

Product Manager – Embedded Finance

Vivo (Telefônica Brasil)

full-time

Posted on:

Location Type: Hybrid

Location: São Paulo • 🇧🇷 Brazil

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Job Level

Mid-LevelSenior

About the role

  • Product Management: Review of customer journeys and implementation of improvements; definition of features and value proposition; development of new products.
  • Post-sales: Analysis and action plans for engagement (payments, upgrades, retention).
  • Metrics: Monitoring sales, origination, delinquency, collections, and attachment to core products.
  • Support Materials: FAQs and content for the customer service center.
  • Campaigns and Communication: Planning and execution of campaigns (media and CRM), and creation of creative materials.
  • Pricing and Performance: Pricing definition/adjustments, performance monitoring, and promotional initiatives.
  • Channel Expansion: Identification and activation of new channels.
  • Financial Management: P&L analysis, projections (sales, revenue, costs), and management of sales-related costs.
  • Strategic Projections.

Requirements

  • Experience in managing financial products or Embedded Finance in Retail.
  • Experience with digital products.
  • Knowledge of LGPD (Brazil’s Data Protection Law), PCI-DSS, and Central Bank (Bacen) regulations.
  • Familiarity with agile methodologies.
  • Pricing and P&L analysis.
  • Advanced Excel / BI tools.
  • Intermediate English.
  • Initiative & Curiosity – Proactivity to explore new solutions.
  • Transformative Attitude – Ownership mentality, energy, and focus on results.
  • Critical Thinking & Problem Solving – Analytical ability and decision-making.
  • Adaptability (Resilience) – Flexibility in the face of change.
  • Emotional Intelligence & Empathy – Ability to connect with diverse profiles and exercise empathetic leadership.
  • Analytical Thinking – Structured, data-driven reasoning.
Benefits
  • Choose the ideal benefit for you and your dependents through a digital platform with various categories such as gym, meal allowance (VR), food allowance (VA), pharmacy assistance, medical and dental coverage, and life insurance.
  • Company mobile phone: a brand-new smartphone for you.
  • Unlimited voice and data plan — with Vivo 5G.
  • Exclusive Vivo offers with special discounts on landline, broadband, TV, and apps.
  • Eligible to receive an annual bonus or PPR (profit-sharing program).
  • Plan your future through a private pension plan.
  • Childcare subsidy to help with school, daycare, or nanny expenses.
  • Work in an environment that respects your personality, dress style, and individuality, where you can be authentic. #BeYourself
  • Work remotely up to 2 days per week. #Mobility
  • Flexible working hours.
  • Enjoy a day off to celebrate your birthday.
  • Participate in one of the largest corporate volunteering programs to make an impact.
  • Benefit from our Educational Development Program offering partnerships with educational institutions at a discount, plus certifications and online courses.
  • Boost your career through our Internal Recruitment Program, in Brazil or abroad — we are present in over 17 countries.
  • Access a range of initiatives to improve your physical, emotional, and social wellbeing. We have #VivoBemEstar (Vivo Wellbeing), offering consultations with nutritionists, psychologists, social workers, telemedicine, and more.
  • All our vacancies are open to persons with disabilities and/or rehabilitated workers. We value diversity, differences, and people’s potential. #VivoDiversity

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
financial productsEmbedded Financedigital productsP&L analysispricing definitionagile methodologiesadvanced ExcelBI toolsanalytical abilitydata-driven reasoning
Soft skills
initiativecuriositytransformative attitudecritical thinkingproblem solvingadaptabilityemotional intelligenceempathyownership mentalityflexibility