Especialista de Produtos, Cobrança

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for an Especialista de Produtos, Cobrança based in Brazil. This is an opportunity to lead the strategy and evolution of digital collections products for business customers. You will own initiatives across the delinquency journey, from preventive actions through debt regularization and recovery. The role combines product strategy, customer experience, data analysis, and financial performance. You will identify opportunities across channels, communications, negotiations, agreements, and payment methods. Working closely with multidisciplinary teams, you will translate insights into priorities, experiments, and scalable product improvements. The environment is agile, collaborative, and highly data-driven, with strong exposure to complex business challenges. Your work will directly influence customer outcomes, operational efficiency, and financial results. Define and execute the product strategy for collections solutions serving business customers, aligning customer needs with financial and operational objectives. Map the complete delinquency journey, from preventive collections through negotiation, agreement, payment, and debt regularization. Identify opportunities to improve collection channels, customer communications, negotiation strategies, payment methods, and overall recovery experiences. Own and prioritize the product backlog based on customer impact, financial results, operational efficiency, technical feasibility, and strategic priorities. Define product hypotheses, success metrics, and experiment plans, monitoring results from tests, launches, and continuous improvements. Use data and performance indicators to identify opportunities, diagnose complex problems, and support product decisions. Coordinate with multidisciplinary teams and multiple stakeholders, ensuring clear alignment on priorities, expected outcomes, dependencies, and next steps. Apply agile product practices, including discovery, roadmap management, prioritization, and iterative delivery. Support project management activities, including planning, timeline tracking, risk and dependency management, and stakeholder communication. Requirements: Proven experience managing or evolving digital products, preferably within collections, credit, financial services, payments, or related environments. Strong understanding of delinquency journeys, debt negotiation, collections strategies, and credit recovery processes. Ability to work with data, business indicators, performance analyses, and product metrics to make informed decisions. Experience with agile methodologies, product discovery, backlog prioritization, and roadmap management. Familiarity with product management and data analysis tools. Strong analytical and strategic thinking, with the ability to translate complex information into practical product decisions. Excellent communication and stakeholder management skills, with confidence working across multidisciplinary teams and competing priorities. Experience or working knowledge of project management, including planning, schedules, risks, dependencies, and stakeholder communication. Courses or certifications in product management, project management, or agile methodologies are considered a plus. Benefits: Full-time, on-site work in São Paulo, Brazil. Medical and dental insurance. Life insurance. Wellhub access for health and well-being. Employee support program offering legal, social, psychological, and financial assistance. Flexible benefits card covering meal/food and mobility or remote-work allowances, according to employment arrangements. Extended maternity leave of 6 months. Extended paternity leave of 20 days. Pregnancy and parental support program, including assistance during pregnancy and return to work. Childcare assistance for eligible employees. Participation in the company's results through a PPR program. Opportunities to work