[Hiring] Lead Product Manager - Credit Cards @NOVACARD

Role Description

We are looking for a strong Lead Product Manager to lead the development and growth of our credit card portfolio across multiple risk and customer segments. You will own the product strategy, P&L, end-to-end customer experience, and technical roadmap for products including Credit Builder, fixed-fee and progressive-fee cards, and grace-period and non-grace-period offerings. This role requires:

• Managing product strategy, customer experience, unit economics, risk, and technical delivery.
• Defining what we build and why, proving the business case, prioritizing ruthlessly, and delivering measurable results.
• Close collaboration with the local team in Mexico and international headquarters.
• Relocation support to Mexico or Serbia for the right candidate.

Key Responsibilities

• Product Strategy & Portfolio Design:
  • Define and evolve a multi-segment credit card lineup.
  • Build a clear product ladder with transparent rules for customer migration.
• Pricing & Fee Model Development:
  • Design and refine pricing mechanics including fixed fees, progressive fees, and interest-based pricing.
  • Ensure the tariff structure balances customer appeal with portfolio profitability.
• P&L Ownership & Unit Economics:
  • Take full responsibility for product profitability.
  • Model and optimize the funnel from acquisition to operating expenses.
• Risk & Portfolio Collaboration:
  • Partner with Risk teams on customer segmentation and approval strategy.
  • Ensure product mechanics drive the right customer behavior.
• Lifecycle & Customer Experience Management:
  • Own the full customer journey from acquisition to retention.
  • Deliver a seamless, digital-first experience at every stage.
• Growth & Killer Features:
  • Analyze customer data and competitor offerings to identify impactful features.
• Roadmap Prioritization:
  • Build and defend the product roadmap based on various factors.
  • Make hard trade-offs and communicate the rationale clearly.
• Metrics & Experimentation:
  • Establish product KPIs and make data-driven decisions.
• Technical Leadership:
  • Understand the credit product architecture to collaborate effectively.
• End-to-End Launch Management:
  • Develop business requirements and drive products from concept to delivery.
• Cross-Functional Collaboration:
  • Work daily with various stakeholders and defend product decisions.
• Team & Process Development:
  • Set tasks for team members and ensure delivery quality.

Qualifications

• Strong experience in managing credit cards or unsecured consumer lending products end-to-end.
• Ability to independently build and defend a credit product’s financial model.
• Solid understanding of credit risk and how product mechanics influence customer behavior.
• Technical fluency to collaborate with IT on business and system logic.
• Strong data skills and ability to make decisions based on metrics.
• Proven prioritization discipline and clear communication skills.
• Fluent Russian — mandatory; English at upper-intermediate level or higher required; Spanish is a plus.

Benefits

• Remote or hybrid work format — specific location and arrangement discussed individually.
• Relocation support to Mexico or Serbia for strong candidates.
• Official employment or contractor arrangement depending on location.
• Opportunity to own and shape a complete credit card portfolio.
• A data-driven, entrepreneurial environment with direct exposure to HQ leadership.