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Senior Product Manager, Joom Financing (Fintech & E-Commerce)

Joom • Portugal
Relocation
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Lead the end-to-end development of Joom Financing, a post-payment credit line product for B2B wholesale buyers, including AI-based scoring, legal structuring, and external capital attraction. Own P&L, unit economics, and cross-functional execution while scaling operations across Brazil and China. Requires fintech/e-commerce expertise, hands-on product ownership, and strong analytical/ML collaboration skills.

Key Highlights
Own P&L and strategic direction of Joom Financing, a live post-payment credit line product for B2B buyers
Develop AI-based credit scoring models (client + product-based) and integrate fulfillment as collateral
Attract external capital (China/Brazil) and scale operations with minimal managerial oversight
Key Responsibilities
Own P&L and drive strategic growth of Joom Financing, a live post-payment credit line product for B2B buyers
Build AI-based credit scoring models (client/product-based) and optimize unit economics with hands-on data analysis
Collaborate with ML engineers, developers, lawyers, designers, and growth teams to launch Financing + Fulfillment as collateral
Structure external capital attraction schemes for Brazil and China, ensuring legal compliance and scalability
Deliver on default rate targets and ensure product-market fit through cross-functional execution
Technical Skills Required
Credit Scoring & Risk Modeling Machine Learning (AI/ML) Product Ownership (P&L, Legal, Go-to-Market)
Benefits & Perks
Base salary + performance-based bonuses
Flexible hours with 52 days remote work/year + 22 days paid annual leave
Health insurance (including dental) for employees and dependents, daily meal allowance, 100% paid sick leave
Nice to Have
Experience in Brazilian/Latam markets
Deep knowledge of fintech/e-commerce credit lines
Familiarity with Chinese regulatory/financial ecosystems

Job Description

JoomPro is the first and only end-to-end cross-border B2B marketplace. It serves small, medium, and large businesses, handling orders of any size from start to finish. Today, JoomPro operates in Brazil and Mexico, with plans to expand into other markets.
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