Senior Product Owner – Payroll-Linked Lending

AsapTech

. Lead the evolution of FGTS and E-Trabalhador payroll-linked lending products (INSS, SIAPE, and private-sector employees) .

Posted 10/19/2026contractBarueri • BrazilSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in leading the development of payroll-linked lending products and optimizing digital journeys for financial applications. Proficient in integrating with financial institutions and utilizing data-driven management practices to enhance customer experience and operational efficiency.

Highest-signal resume keywords

Payroll-Linked Lending ProductsCredit Engine DevelopmentDigital Journey OptimizationAgile MethodologiesProduct Ownership Certifications

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Underwriting PoliciesData AnalysisPerformance Metrics MonitoringDecision RulesPredictive ModelsOpen Finance KnowledgeIntegration with Credit BureausFinancial Transactions ManagementBusiness KPI AnalysisDigital Account Management

Soft Skills

CollaborationStrategic AlignmentContinuous Improvement

Tools & Technologies

JiraAzure DevOps

Certifications & Qualifications

CSPOPSPOScrum Master

Industry Keywords

FintechDigital BanksBanking as a ServicePayment MethodsINSSSIAPEFGTS

Tech Stack

Tools & technologies

Azure

About the role

Key responsibilities & impact

Lead the evolution of FGTS and E-Trabalhador payroll-linked lending products (INSS, SIAPE, and private-sector employees)
Map, design, and optimize the end-to-end application journey for credit products
Prioritize and manage the product backlog, aligning deliverables with business strategies
Define and monitor integrations with financial institutions, credit bureaus, payment processors, and strategic partners
Contribute to the evolution of the Credit Engine, including decision rules, artificial intelligence, predictive models, and governance
Identify opportunities to create and launch new financial products
Monitor performance, conversion, operational efficiency, portfolio quality, and customer experience metrics
Drive the evolution of the digital account, including onboarding, financial transactions, and new features
Propose continuous improvements to digital journeys, processes, and experiences
Collaborate with cross-functional teams, ensuring alignment among business objectives, 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 objectives and customer needs

Requirements

What you’ll need

Experience with payroll-linked lending products (FGTS, INSS, SIAPE, or private-sector payroll lending)
Experience working at financial institutions, fintechs, digital banks, or Banking as a Service (BaaS) companies
Knowledge of credit engines, decision engines, and credit underwriting 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 journeys for financial product applications
Experience analyzing business KPIs, conversion metrics, and using data-driven management practices
Knowledge of artificial intelligence, predictive models, or data enrichment applied to financial services
Experience working in agile environments using Scrum, Kanban, and tools such as Jira or Azure DevOps
Bachelor’s degree
Certifications in Product Ownership, Product Management, or agile methodologies (CSPO, PSPO, Scrum Master, or equivalent)

Benefits

Comp & perks

Medical insurance
Dental insurance