Product Lead, Collections (Líder de Producto, Cobranza)

About the role

Description from the employer’s posting. Check the employer’s page for the current version.

Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. What you'll do We're looking for a Product Lead, Collections to own the strategy, execution, and business outcomes for our Collections squad at Clara. In this role, you will lead a squad sitting at the intersection of credit risk, finance operations, and customer experience—ensuring we recover what's owed efficiently, compliantly, and without compromising customer trust. You will partner with senior software engineers alongside Risk, Finance, Legal, and Customer Support to drive the end-to-end collection lifecycle, lending facilities management, and delinquent portfolio tools. Own discovery, prioritization, and business outcomes for the squad, driving impact across recovery rates, days-to-resolution, roll rates, and operational costs. Talk to internal finance and collections teams weekly to identify friction points, automate manual tasks, and optimize internal operational tooling. Design and iterate on collections workflows, ranging from automated early-stage nudges and digital payment use cases to late-stage escalation paths and external partner handoffs. Manage delinquent portfolio tools, early delinquency signals, and regulatory compliance requirements across our core Latin American markets (Mexico, Colombia, and Brazil). Prototype and validate product ideas using AI tools before committing engineering bandwidth, occasionally contributing code changes (copy, configuration, feature flags, or analytics instrumentation) through standard GitHub PRs. Collaborate closely with engineering to support max uptime, system reliability, and rapid recovery processes. Who you are We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement. Must haves Working proficiency in English. 5+ years in product management, with at least 2 years owning a credit, collections, or risk-adjacent product within a fintech, bank, or lending company. Proven track record of directly moving core business metrics and taking full ownership of product outcomes from discovery to execution. Hands-on technical fluency with web architecture concepts (APIs, services, databases, message queuing) and comfortable using Github workflows (branches, commits, PRs, diffs). Experience or interest in AI tools to automate workflows, validate ideas early, and optimize day-to-day work. Strong data literacy with hands-on experience writing SQL , conducting cohort analysis, and running experiment design. Excellent verbal and written communication skills with demonstrated ability to drive cross-functional alignment across technical and non-technical stakeholders. Adaptability to fast-changing environments, operating with high agency and a bias toward action. Nice to haves Basic proficiency in Spanish or Portuguese or a desire to learn it. Cross-border experience across Latin American markets (MX, CO, BR), including knowledge of market-specific payment gateways, external collections agency integrations, or local debt recovery regulations. Independent analytical skills using spreadsheets, SQL , or Python to build custom dashboards and run deep-dive data pulls. A good sense of humor. Why join Clara At Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America. Who we are We’re the leading B2B fintech for spend management in Latin America. Certified as one of the world's fastest-growing companies, a Great Place to Work , and a LinkedIn Top Startup . Passionate about making Latin America more prosperous and competitive. Constantly innovating to build financial infrastructure that enables each of our customers to thrive. Product-led, high-talent-density culture — designed for builders who raise the bar. Proud of our open, inclusive, and values-driven environment. What we believe in #Clarity. We say things clearly, directly, and proactively. #Simplicity. We reduce noise to focus on what really matters. #Ownership. We take responsibility and never wait to be told. #Pride. We build products and experiences we’re proud of. #Always Be Changing (ABC). We grow through feedback, risk-taking, and action. #Inclusivity. Every voice counts. Everyone contributes to our mission. What we offer Competitive salary and stock options ( ESOP ) from day one Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language) Annual learning budget and internal accelerated development paths High-ownership environment: we move fast, learn fast, and raise the bar — together Smart, ambitious teammates — low ego, high impact Flexible vacation and hybrid work model focused on results If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. Clara’s Hybrid Policy Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team. We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.