Pismo
Our mission at Pismo is to replace the outdated infrastructure that still powers the backend of most digital payments. We are a technology company known for our leading core banking and payment platform. Our platform provides cloud-native solutions for core banking and payments, paving the way for a new generation of more sophisticated payment solutions. We're looking for talented people to help us deliver cutting edge solutions to ensure our customers enjoy world class solutions. We started in Brazil and are now almost 600 people globally. Come and join the adventure.
Summary
This is an exciting new role as a Senior Lending Product Specialist reporting to the Head of Lending, offering you an excellent opportunity in product development and career growth with exposure to lending business and technology across international markets.
You will the have the opportunity to work with finest product managers, and engineers in building lending product using the most contemporary cloud and API based technologies under guidance from seasoned industry leadership.
What You'll Do
Product Specialization
- Provide lending subject matter expertise to the product and engineering teams
- Work closely with product managers in building the vision, roadmap, and backlog and for the lending product
- Provide details on lending products including BNPL, personal loans, auto loans, mortgages and business loans
- Build journeys for every stage of lending product lifecycle
- Craft user stories for events including booking, disbursement, partial or early repayment
- Build scenarios for penalties, reschedule, restructure, non-performing loans, provisioning and accounting
- Work with the team in building a centralized collateral management used across lending, cards and overdrafts
- Provide details on financial calculations including instalment, interest and charge calculations
- Perform industry analysis and keep a track of industry trends in terms of lending business and technology
- Build roadmap and product backlog based on industry analysis
- Prioritize features for development to meet customer and target market requirements
- Monitor feature development and validate with user stories and scenarios
- Identify gaps and opportunities for improvement
- Be a thought leader for the lending product and present at financial technology events
Collaborate with Sales and Pre Sales Teams
- Work closely with sales and pre-sales teams and equip them with required product training
- Participate in pre-sales demos and respond to RFPs for the lending product
- Work closely with the marketing team in creating product collaterals, and client case studies
- Provide inputs to product communications team on key capabilities, vision and roadmap of the product
Client Interactions
- Be the trusted advisor for our lending clients
- Lead customer workshops, understand, validate and document requirements
- Work with the project management team in completing client deliverables
- Actively resolve product issues identified during implementation
- Responsible for customer success from product group
- Analise data from customer service requests, and identify solutions to improve customer experience
Partnerships
- Identify partners to integrate for specialized areas in lending such as originations, collections, analytics etc.
- Work with the Head of Partnerships to onboard strategic partners and integrate with the platform
- Support partnership teams in building integrations with the lending product
Minimum Qualifications
- 8+ years of experience and successful track record of working in a lending environment with a leading financial institution or a well-established lending vendor as a Product Manager / Product Owner
- Deep domain knowledge of lending including BNPL, Personal Loans, Business Loans, Auto Loans and Mortgages
- Good working knowledge of lending business at the regional level, knowledge of at least one region would be an added advantage
- Have been part of or played a significant role in product development lifecycle
- Having implemented lending products at banks or lending institutions would be an added advantage
- Familiarity with lending ecosystem technology vendors
- Product ownership with attention to detail's
- Strong passion for creating new products and go-to market strategies
- Working knowledge of APIs, Postman and AWS cloud computing
- Experience of working in an agile environment using tools such as Jira, Miro, etc.
- Experience working closely with the engineering, architecture, and development teams
- Proficient in creating presentations and lending calculations using spreadsheets
- Influencing skills to prioritize customer requirements
- Proactive in taking up new challenges and initiatives for the success of overall organization
- Ability to work autonomously in a highly demanding and often ambiguous environment, with one or multiple teams
- Analytical mindset with development of data-driven recommendations to inform strategic decisions
- Excellent oral and written communication skills
- Proficient in business English, proficiency in other European languages would be an added advantage
- Excellent academic background, masters degree in finance, or an MBA in finance would be highly desirable
- Authorization to work in the UK
Core Benefits
- Annual leaves
- Ability to buy/encash/carry over annual leave
- Heating Allowance
- Internet subsidy
- Health Insurance
- Dental care
- Life Insurance
- Pension Contributions
- Thanks Ben – Health & Wellbeing Virtual Card
- Thanks Ben – Work from Home Virtual Card
- Thanks Ben – Optical Plan Virtual Card
Pismo is a techfin providing a cutting-edge processing platform for card issuing, digital accounts, wallets, merchant management, and other next-gen payment solutions. We currently process millions of accounts for fintechs and large banks worldwide, from Latam and expanding into European and Asian markets, who launch next generation products using Pismo’s resilient and innovative infrastructure.Pismo’s growing list of innovative offerings include:
- Card Issuing: A fully featured platform for Visa, Mastercard, or private level issuing of credit and prepaid cards. Pismo’s platform allows its customers to control everything from client acquisition to account management.
- Digital Banking & Wallets: Pismo provides a transaction banking core for modern digital banking experiences, from easy client acquisition to enriched cash-in / cash-out operations and internal transfers / P2P transactions.
- Seller Management: From the onboarding to the daily management of each seller, Pismo’s platform runs a workflow process with pertinent settlement and commercial parameters for each transaction, such as MDR, clearing rules, settlement requirements, and days to pay.
Our core values
Responsibility & Commitment
Responsibility and Commitment are key tenets of Pismo's business. In all of our interactions, ethics and honesty serve as guiding principles. Transparency and alignment are essential at Pismo to foster a culture of accountability where people do not take shortcuts and dare to be vulnerable. We encourage ownership and enable our employees to be a part of the solution to our challenges.
Challenging the Status Quo to Drive Change
Pismo is a disruptive company that knows we can’t count on what got us here to get us where we want to go. Instead of following trends, our team members create them. We strive for the best solution for every situation, not the easiest. Taking the ordinary or common sense route is insufficient. This is how we affect real change.
Minimum Friction Experience
Pismo's success depends on fluid, clear, and careful internal and external communication. Our solutions should address issues directly rather than causing new ones. We understand that learning and development is a positive outcome of necessary friction. We want our customers and employees to have a pleasant experience free of bureaucracy.
Collective Power
Pismo isn't simply mine, yours, or some other team's. All of our people have a good purpose for being here. Each of us, in our way, has the freedom to be ourselves and know we are accepted. Pismo values being a multicultural organisation. We are stronger, more efficient, and happier when we operate as a team.
Delivering Value and Excellence
Constant development is essential as it allows us to supply high-quality products and services while ensuring that we always bring value to our clients. Pismo recognises the importance of new information in breaking down boundaries and forging new possibilities. We pave the way and set trends by developing market-leading solutions.
Focus on People
People are a company's most valuable asset. That is why we prioritise attracting and hiring the best people, followed by personal and professional development. We invest in people's growth and empower them to take charge of their careers. We value work-life balance because we understand how difficult it can be to distinguish between work and life.
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Pismo is an Equal Employment Opportunity employer that proudly pursues and hires a diverse workforce. Pismo does not make hiring or employment decisions on the basis of race, color, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Pismo also strives for a healthy and safe workplace and strictly prohibits harassment of any kind.
