BNPL Lead

JoomPro is the first and only end-to-end cross-border B2B marketplace. It serves small, medium, and large businesses, handling orders of any size from start to finish. Today, JoomPro operates in Brazil and Mexico, with plans to expand into other markets.

JoomPro is one of the key businesses of Joom, an international tech-centric group of e-commerce companies founded in 2016 in Latvia. Joom Group also includes other businesses: Joom, a global cross-border marketplace; JoomPulse, an AI analytics tool for Mercado Livre sellers; and Onfy, a pharmaceutical marketplace in Germany. Joom Group has offices in Latvia, China, Portugal, Germany, and Brazil, with its headquarters in Lisbon, Portugal. We work as one international team, sharing knowledge and collaborating across countries, businesses and products.

We are looking for an experienced product leader who will take full ownership of Joom Financing — a post-payment product that gives B2B customers credit lines for wholesale purchases. The product is already live, and the next steps are AI-based scoring, the launch of Financing + Fulfillment, and attracting external capital to scale it.

Responsibilities

• Own the P&L of Joom Financing and drive the strategy of the product
• Develop the credit line product end to end: client scoring, document flow, legal structure, landing pages and unit economics
• Build AI-based scoring models, including product-based scoring that evaluates both the client and the goods
• Work with the data yourself: analyse the model and optimise the credit scoring formula, with support from an ML specialist when needed
• Deliver on target metrics, including the default rate
• Work directly with developers and ML engineers, and with cross-functional resources: lawyers, designers, the growth team and external consultants in Brazil
• Incorporate the fulfillment service into financing as a collateral instrument
• Contribute to structuring the scheme for attracting external capital in China and Brazil