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 organizations 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 prefer