At Mercado Libre, we are democratizing commerce, money, and payments across Latin America. Our Fintech business offers a comprehensive value proposition aimed at democratizing financial services and meeting the needs of over 60 million users. We provide an online platform that enables merchants to receive payments for electronic sales conducted both within and outside Mercado Libre, as well as a QR code system and Point-of-Sale (POS) devices for in-person sales. For millions of merchants, entrepreneurs, and professionals, we enable secure transaction processing through more than 50 payment methods across Latin America. Additionally, we offer free access to a digital account that allows users to pay bills, send and receive money, invest, and use cards for purchases or cash withdrawals. Through Mercado Crédito, we extend credit to meet the needs of our service recipients and empower the businesses of those selling on our platform. **We have a challenge for people who:** * Radiate entrepreneurial energy: driven by curiosity, never giving up, and focused on surpassing their own limits. * Give their all because they love working with commitment and dedication. * Embrace change as opportunity and learn from their mistakes. * Prioritize excellence and execution in everything they do. * Foster a positive atmosphere, joy, and fun. * Know how to build alongside others and enjoy working collaboratively. Imagine yourself leading challenging, **dynamic**, and innovative projects, **and being responsible for:** * Strategically leading the design and execution of the consumer-focused (B2C) credit strategy, aiming for banking principal status for our users. * Leading risk and profitability discussions to define the optimal credit offering at each stage of the consumer lifecycle. * Managing end-to-end the P&L (Profit and Loss) of consumer credit products, analyzing the competitive landscape to set medium- and long-term priorities. * Defining the product roadmap, proposing new features that enhance the credit usage journey and the end-user experience. * Ensuring achievement of aggressive targets for loan origination, portfolio size, and net profit for products under your management. * Continuously optimizing processes—from risk assessment during product conception through collection strategies for the Consumer segment. **Requirements** * Hold a completed undergraduate degree. * Have solid experience managing financial products. * Possess advanced proficiency in databases and programming in SQL or similar tools for complex analyses. * Demonstrate strong analytical capability and agility to influence senior stakeholders across the entire credit lifecycle. * Have robust prior experience in consumer (individual) credit. **We offer you:** * The opportunity to join an entrepreneurial company where we love thinking big and long-term. * A chance to take ownership of your development in an environment rich with opportunities, learning, growth, expansion, and challenging projects. * Collaboration and knowledge sharing within a team of outstanding professionals and experts. * An excellent work environment, equipped with everything needed for you to have an outstanding experience. :) Mercado Libre does not contact candidates offering job opportunities in exchange for monetary payment. All open positions are available exclusively on our careers website. If you receive any requests for money, please be cautious!