Lead Product Manager, Lending Platform

About Us

Félix [https://felixpago.com/] is a chat-based platform that enables Latinos in

the US to send money home, pioneering remittance services via WhatsApp. We

combine Blockchain and Artificial Intelligence to disrupt how remittances are

done today and build the future of cross-border payments.

By joining Félix, you will be part of the most innovative company in the

cross-border payment industry. We recently received investment from top VCs from

Silicon Valley, Europe, and Latam, as well as we won Blockchain and AI

innovation and application awards at the Wharton Business School. In 2024, Félix

was selected as “Endeavour Entrepreneur” by the global network and was a

recipient of the CrossTech Fintech Startups Award. You will be joining the

journey to build a financial platform and become a companion to the Latino

community in the United States!

We're obsessed with our customers, and we're building a product that truly

empowers them. We are a team of extremely talented high performers, loyal to

each other, and committed to providing a magical experience to all our users.

We're all owners, driven by a shared vision to create sustainable value. We move

with urgency and focus, always striving for excellence and exceeding

expectations.

About the Role

Félix is building a consumer lending business—starting with Send Now, Pay Later

(SNPL) and expanding into personal loans, credit cards, and beyond. The engine

behind all of it is a reusable lending platform: the bank integrations, loan

management and servicing systems, underwriting architecture, and money movement

that every credit product is built on.

We're looking for a Lead Product Manager to own the strategy for that platform.

This is not a feature-shipping role. You will decide how our lending

infrastructure scales to support multiple products—what becomes a shared,

reusable capability versus what each product builds for itself, and the

trade-offs behind those calls. You'll own the product strategy for our

sponsor-bank integrations (including expanding beyond our first bank partner),

our loan management system, and the architecture of our underwriting and

servicing components. You'll work shoulder-to-shoulder with our engineering team

and partner closely with our horizontal platform teams (payments, ledger,

identity, AI), our credit risk and compliance leaders, and external partners

like our sponsor bank and lending infrastructure vendors.

You'll start as a high-impact strategist and build a team beneath you as the

platform grows, beginning with a Technical Program Manager. You'll report

directly to the Head of Consumer Lending. This is one of the most strategically

important roles in our lending organization, and you'll operate as a peer to

senior leaders across the company.

Responsibilities

• * Own and author the multi-year product strategy for Félix's lending platform:
• how bank integrations, loan management, underwriting components, and money
• movement evolve to power multiple credit products at scale.
• * Make the platform's core architectural product decisions—what is built once
• as a reusable capability versus custom-built per product—and be accountable
• for the trade-offs, including cost, speed, and long-term maintainability.
• Note, you will work closely with our Engineering Manager on the actual
• architecture decisions.
• * Own the product strategy for our sponsor-bank integration layer, including
• making it bank-agnostic to support additional bank partners and reduce
• concentration risk.
• * Develop and establish platform product development processes and
• documentation standards so other teams can consume reusable components.
• * Drive the product direction for our loan management system (LMS) and its
• integrations across servicing, ledger, payments, and bureau reporting.
• * Partner with Credit Risk and Data Science on the architecture of underwriting
• and decisioning components so they are reusable across products.
• * Lead complex, cross-functional efforts across engineering, risk, compliance,
• finance, and the company's horizontal platform teams—exposing lending
• capabilities that product teams can consume, and consuming platform
• capabilities where they're the best option.
• * Represent Félix in technical and commercial conversations with external
• partners, including our sponsor bank(s) and lending infrastructure
• vendors—including negotiating product constructs that touch new regulatory or
• account structures.
• * Establish the planning, scoping, and documentation discipline this platform
• needs to scale, and help set the standard for how our lending organization
• plans and executes in a multi-product, matrixed environment.

Requirements

• * 6+ years in product management, with 3-4 years building or integrating
• reusable infrastructure components in regulated financial services—lending,
• cards, banking, or payments. Consumer lending experience is a strong plus.
• * Experience building products from 0-1. The products you will work with are
• new so must be comfortable making major architectural decisions with little
• guidance and in environments with a lot of ambiguity.
• * Demonstrated systems thinking: you design for how a system scales, not just
• for the next feature. You can point to times you got the reusable-vs-custom
• call right—and times you got it wrong and what it cost.
• * Deep fluency in how financial systems integrate: APIs, event-driven
• architectures, ledgers, and third-party platforms. You can hold your own in
• an architecture conversation with senior engineers and know the right
• questions to ask about reconciliation, idempotency, and money movement. A
• formal engineering background is welcome but not required—demonstrated
• architectural judgment matters more than credentials.
• * Direct experience owning build-vs-buy decisions for core financial
• infrastructure (e.g., an LMS, a decisioning engine, a bank or payments
• integration), including living with the consequences.
• * Experience working inside or alongside a regulated environment—sponsor-bank
• relationships, compliance functions, or bank partnerships—with the instincts
• to navigate them without slowing to a crawl.
• * Exceptional cross-functional leadership: you've led through influence across
• engineering, risk, compliance, and external partners, and you've been the
• company's trusted face to a bank, vendor, or partner.
• * Fluent English required; Spanish or Portuguese is a plus given our team and
• users.
• * Willingness to work in a hybrid model out of Miami, or to travel frequently
• to Miami and to México City. Miami-based strongly preferred.
• What We Offer
• * Competitive salary
• * Initial stock options grant
• * Annual performance bonus
• * Health, dental, and vision plans
• * For US-based employees, 401(k) with an employer match
• * Remote work environment, although we have offices in Miami and México City
• and would love to work in hybrid model if you are up to it.
• * Continuous learning opportunities
• * Unlimited PTO
• * Paid parental leave
• * Empowering opportunities for growth in a dynamic entrepreneurial environment
• Equal Opportunity Employer
• At Félix, we are committed to providing equal employment opportunities to all
• qualified employees and applicants without regard to race, religion,
• nationality, sex, sexual orientation, gender identity, age, or disability. This
• policy applies to all terms and conditions of employment, including recruitment,
• hiring, placement, promotion, training, compensation, benefits, and termination.
• Want to learn more about our privacy practices? Check out our Privacy Policy
• [https://www.felixpago.com/en/legal].