Senior Product Manager | Commerce and Local Payments

• Define and own the product vision and roadmap for commerce and local payment use cases (e.g., P2P, Bill Pay).
• Align product strategy with broader business goals and digital transformation initiatives
• Prioritize use cases based on customer needs, market trends, and business value.
• Serve as the product's P&L owner, accountable for adoption, performance, and cost-to-serve.

• Define and translate business needs into platform capabilities, including transaction limits, fraud checks, and directory services.
• Collaborate with technology teams to deliver scalable, secure, payment platforms.
• Collaborate with digital channel teams to ensure intuitive, customer-centric experiences across platforms.

• Translate regulatory requirements into product features and policies.
• Define and maintain risk controls such as dual authorization, transaction limits, and fraud mitigation along with Risk teams in the bank.

• Develop pricing strategies and bundling options to drive product adoption and revenue.
• Track efficiency metrics and cost-to-serve; identify opportunities for optimization.
• Partner with Marketing to develop and execute go-to-market strategies.

• Work with Operations to define onboarding, servicing, and maintenance processes for clients.
• Ensure operational readiness for new features and enhancements.

• Establish KPIs such as activation rates, STP (straight-through processing), and engagement metrics.
• Partner with Digital and Marketing teams to drive adoption and improve user experience.
• Monitor performance and iterate based on data insights.

• Manage and mentor a team of product managers and analysts.
• Foster a collaborative, high-performance culture focused on innovation and execution.
• Provide coaching, feedback, and career development support.

• Maintain deep knowledge of Puerto Rico's payment ecosystem, including ATH Móvil and other local networks.
• Build relationships with local partners, including ATH Movil and other Puerto Rico-based providers.
• Stay informed on regional trends and innovations to ensure competitive positioning.

• Strong technical acumen: ability to put yourself in the shoes of customers, have a grasp of user experience and design with customers, business, and operations teams in mind. Robust with numbers, can ground your thinking in analysis, use data / key metrics to identify opportunities, deliver insights, test theories, and make data-driven recommendations to drive revenue growth and improve customer experience. Comfortable with complex systems, understanding common software architecture and data integration patterns. Know how to analyze and decompose a complex system and communicate that complexity simply and cleanly. Understanding other disciplines can bring everyone together and persuade a wide range of audiences using clear communication and strong structured thinking. Urge and resilience to challenge the status quo and make things better. Love helping engineers, designers, operations experts, and other teams around you do their best work.
• Strong business acumen: ability to understand the needs and concerns of business stakeholders and colleagues and respond promptly and effectively to stakeholder requests. An ability to conduct analysis of work procedures and business results and recommend changes to improve the effectiveness of the business' management.
• Communication skills: effectively interact with internal and external stakeholders. Ability to foster trusting relationships with colleagues and clients. Highly develop written and verbal communications skills in English. Presents numerical data effectively. Superior communication and people skills. Excellent report-writing and presentation skills. Polished in preparing presentations, executive summaries, and business reports in English for executive audiences.
• Analytical skills: Stays focused on key issues, prevents irrelevant issues or distractions from interfering with timely completion of assignments. Collects, research and complements data; Synthesizes complex or diverse information. Demonstrates diligence; Applies design principles; Generate creative solutions. Strong quantitative, research and analytical skills. Experience with data analysis, persuasive and informative writing, workload management, and process management.

• Problem Solving: Identifies and resolves problems in a timely manner; Develops alternative solutions.
• Project Management: Ability to prioritize and work with multiple projects and tasks with minimum supervision; self-direct and task switch between strategic and tactical initiatives regularly. Capacity to achieve results according to plan ensuring the expected quality. Excellent organization capacity to define priorities, meet deadlines, and flexible to change. Knowledge of project coordination, identification of business needs, work plan, budget control, time management, resource allocation, team management and status reports. Must demonstrate leadership, logic, and reasoning skills. Strong understanding of Agile methodologies, particularly Scrum or Kanban.
• Operational/Regulations Processes: Knowledge of budget administration, resources allocation, organization's policies, and regulations. Ability to establish, conduct and track operational processes properly.
• Computer and Technological Skills: Proficient in MS Office 365 such as: MS Project, PowerPoint, Excel, and Word. Experience with tools such as: JIRA, Confluence; data visualization and design tools such as: Power BI, among others is desired.

Popular