28 - Senior Product Owner, Ledger & Lending (Financial Services)

LOCATION: Remote (Only Latam candidates)

About the role

We are looking for a Senior Product Owner with banking and lending expertise and an engineering background to lead customer engagement and the design of a new financial ledger and lending backend. You will be the main voice of the product with the customer, turn their operations into clear requirements that engineering can build from, and own the backlog.

Responsibilities

• Be the day-to-day product contact for the customer: run workshops, gather requirements and manage expectations.

• Own the backlog as Product Owner: write user stories and acceptance criteria, prioritize by value and risk, and accept delivered work.

• Define and document the ledger and the lending backend, from origination to payoff, including business rules for interest, fees, payments and delinquency, with engineering and the customer's finance and operations teams.

• Write requirements, data models, API specs and process flows that engineers can build from, and weigh architecture trade-offs with them.

• Plan data migration and support user acceptance testing (UAT) with the customer.

• Use AI in discovery, specification and prototyping, and help the team apply AI-assisted development.

Required qualifications

• English at C1 level or higher, written and spoken.

• Hands-on AI experience: you use generative AI daily for research, specification and documentation, and you understand what LLMs can and cannot do, including the risks in regulated systems.

• 5+ years in product ownership, product management or product design, with at least 2 in lending or banking.

• Product Owner experience in agile teams: backlog ownership, user stories, acceptance criteria and prioritization.

• Consumer lending knowledge: loan lifecycle from origination to payoff, double-entry loan accounting, and U.S. regulations and controls.

• Experience defining or documenting a system of record or core backend: data models (relational and SQL), APIs, ledger design and migration from legacy systems.

• Direct experience with enterprise or regulated customers, and excellent written documentation.

Nice to have

• Consumer installment or small-dollar lending, collections, credit reporting and payments (ACH, cards).

• Product Owner experience on a core banking, lending, payments or ledger platform, or on replacing a legacy loan servicing system.

• Computer science degree or software engineering experience.

• Familiarity with event streaming, data and reporting platforms, and SOC 2.

• Experience specifying AI-powered products or leading AI-assisted development, in line with Archie's blueprint-before-code method.

Compensation & Benefits

• Full-time, long-term contractor engagement
• Competitive compensation based on experience
• Payment in U.S. dollars
• Work remotely wherever you want
• Enjoy the US holidays
• 10 days of PTO per year
• Bring Your Own Device (BYOD) monthly allowance