Senior Product Manager

General Description

The Senior Product Manager leads the strategy, financial performance, growth, customer experience, and end-to-end management of Popular’s personal loans business. The role establishes portfolio direction, develops business cases and product enhancements, drives sales-channel performance, represents the product in the Consumer Lending Journey, and ensures sound management of strategic partner portfolios, controls, and regulatory obligations.

Essential Duties and Responsibilities

• Lead strategic planning for the personal loans business and support division leadership in defining direction.
• Manage the product portfolio across origination, disbursement, servicing, and collection; assess competitiveness, customer experience, product rationalization, pricing, credit-policy changes, operational optimization, forbearance initiatives, and other strategic projects.
• Develop strategies, business cases, operating models, requirements, executive recommendations, and funding requests.
• Responsible for achieving personal loan sales objectives through branches, telemarketing, digital channels, and other distribution partners.
• Monitor results, identify performance gaps, provide tools and resources, and oversee product training.
• Partner with regional and credit leaders to simplify processes and improve customer and employee experience.
• Direct marketing strategy and ensure current, accurate product information and promotions across channels.
• Represent Personal Loans business in the design and evolution of the Consumer Lending Journey.
• Ensure that product and business requirements are incorporated in the digital platform, prioritize enhancements, coordinate testing and post-implementation support, monitor platform performance, and advance solutions for debt consolidation, renewals, lines of credit, and other approved use cases.
• Ensure compliance with applicable laws, regulations, policies, and controls.
• Maintain or coordinate documentation and evidence required for internal and external audits, support issue remediation, and oversee responses to escalated customer complaints and product-related incidents.
• Oversee vendor management activities, portfolio performance, claims, risk assessments and issue resolution.
• Lead employees providing coaching, work-direction and talent development.
• Ensures coordinated execution across product, sales, operations, technology, marketing, finance, analytics, credit risk, compliance, legal, and vendor management partners.

Supervisory Responsibilities:

Directly supervises full time employees. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Coach and develop employees. Foster a spirit of teamwork that allows for disagreement over ideas as well as diversity.

Education

Bachelor’s degree in Business Administration, Industrial Engineering, Communications, or a related field.

Experience

Five (5) or more years of relevant experience in product management, consumer lending, retail banking, portfolio management, credit products, financial services, or end-to-end product delivery.

Other Qualifications

• Supervisory or leadership experience.
• Experience with financial and profitability analysis, portfolio performance, pricing, business-case development, budgets, and funding approvals.
• Experience using customer, sales, financial, and operational data to identify opportunities and make product decisions.
• Experience leading complex cross-functional initiatives from strategy and requirements through implementation and post-launch monitoring.
• Experience with unsecured personal loans, consumer credit, digital origination, lending platforms, credit policy, collections, or forbearance programs.
• Microsoft Excel and PowerPoint skills; Power BI or comparable business-intelligence experience is preferred.
• Professional proficiency in Spanish and English, with experience in executive communication and negotiations skills.
• Data-driven decision making focus.
• Customer and channel oriented.

Region Locations

San Juan, Puerto Rico

Values

1. Passion for People

3. Succeed Together

2. Own Every Moment

4. Build the Future

Important: The candidate must provide evidence of academic preparation or courses related to the job posting, if necessary.

Our hybrid work model benefit applies to certain positions and is subject to changes based on the organizational needs.

Applicants must be authorized to work for any employer in the United States. This position is not open to applicants who need visa sponsorship or transfer of visa sponsorship at this time.

ABOUT US

Popular is Puerto Rico’s leading financial institution and have been evolving since it was founded over a century ago. From a small bank it has developed into a large corporation that offer a wide variety of services and financial solutions to our customers, with presence in the United States, the Caribbean and Latin America.

As employees, we are dedicated to making our customers dreams come true by offering financial solutions in each stage of their life. Our extensive trajectory demonstrates the resiliency and determination of our employees to innovate, reach for the right solutions and strongly support the communities we serve; therefore, we value their diverse skills, experiences and backgrounds.

We reaffirm our commitment to always offer essential financial services and solutions for our customers and communities, including during emergency situations and/or natural disasters. Popular’s employees are considered essential workers, whose role is critical in the continuity of these important services even under such circumstances. By applying to this position, you acknowledge that Popular may require your services during and immediately after any such events.

If you have a disability or need more information about requesting an accommodation, please contact us at [email protected]. This email inbox is monitored for such types of requests only. All information you provide will be kept confidential and will be used only to the extent required to provide needed exemptions or reasonable accommodations. Any other correspondence will not receive a response.

Are you ready for a rewarding career?

Popular is an Equal Opportunity Employer, including Disability/Vets

Learn more about us at www.popular.com and keep updated with our latest job postings at www.jobs.popular.com.

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