Credit Product Manager

About Abaco TechnologiesAbaco Technologies is a fintech company headquartered in San Salvador, El Salvador, focused on delivering short-term, cashflow-integrated credit solutions to SMEs across Central America. Our flagship product is a factoring-style receivables financing facility that unlocks working capital for small and medium businesses — quickly, transparently, and in a way that fits how their businesses actually operate.We have been building and growing for nearly three years. In that time, we have developed a live portfolio across four client segments, deployed sophisticated infrastructure to serve our clients, and established ourselves as a credible and trusted lending partner in the Salvadoran market.We are now entering our next phase — one defined by institutionalization, scalability, and the disciplined deployment of multiple credit products. To do that well, we need to build the infrastructure that supports it.The OpportunityAbaco is looking for a Credit Product Manager & Process Specialist — a rare profile that sits at the intersection of credit expertise, process architecture, technology fluency, and cross-functional leadership. You will own the full lifecycle of Abaco's credit products: from designing and documenting their structure, to ensuring they are correctly configured in our LMS, to optimizing the processes that bring them to life every day.Your output will become the institutional backbone of how Abaco designs, governs, and scales its lending products. Every new credit product we launch — and we have several in the pipeline — will be built on the foundation you establish.Who We Are Looking ForThis is not a traditional credit analyst role. It is not a generic project manager role. It is not a software product manager role. It is a profile that combines the best of all three — with a strong grounding in how SME credit actually works. What you should bring:Credit DNADeep understanding of SME lending mechanics — APR, risk tiering, underwriting, tenor, delinquency behavior, and collections dynamicsProcess ArchitectureAbility to map, document, and optimize end-to-end workflows across origination, servicing, and collections — and turn them into SOPs that teams actually followTech LiteracyFluency with Loan Management Systems (LoanPro or similar), CRMs, and data pipelines. Not a developer, but a sophisticated configurator and functional ownerCross-Functional FluencyAbility to translate between commercial, legal, finance, and tech teams without losing fidelity — and drive alignment across all of themProduct ThinkingDesigns credit products as structured, versioned offerings with defined parameters — not ad hoc decisions made deal by dealRegulatory AwarenessUnderstands the El Salvador financial regulatory environment and the compliance obligations that come with operating a lending businessKey ResponsibilitiesCredit Product Architecture & DocumentationOwn and maintain the Credit Product Bible for each product and segment — a structured document capturing the commercial, legal, technological, operational, collections, and financial architecture of every credit product Abaco deploys.Maintain formal Credit Policies for each client segment and credit product, including eligibility criteria, underwriting parameters, pricing logic, tenor, disbursement mechanics, and exception handling.Translate executive-level product decisions into structured, implementable specifications for tech, ops, legal, and finance teams.Maintain a living product roadmap for credit innovations aligned with Abaco's strategy.Process Design & OptimizationMap, document, and continuously improve all credit processes: origination, underwriting, approval, disbursement, servicing, collections, and write-off.Design and implement Standard Operating Procedures (SOPs) for each process, ensuring they are actionable and adopted by the teams responsible for executing them.Lead process redesign initiatives when new products are introduced or when portfolio data reveals operational inefficiencies.Technology & LMS OwnershipAct as the functional owner of LoanPro: ensure the system is configured to accurately reflect current credit policies, product parameters, and segment logic.Coordinate with LoanPro's technical team and Abaco's internal developers to implement new product structures, workflow rules, payment waterfalls, and reporting configurations.Evaluate and document integrations between LoanPro and other systems (Abaco Platform, Big Query, Collections channels).Credit Policy & ComplianceVersion-control and maintenance of the Credit Policy Manual — covering segment-specific underwriting criteria, pricing bands, exception authority matrices, and approval workflows.Ensure all credit policies are aligned with applicable regulations in El Salvador and are reviewed periodically for compliance.Define the criteria and process for credit exceptions, including escalation paths and required documentation.Support audits, regulatory reviews, or investor due diligence processes with structured, current product documentation.Collections ArchitectureVersion-control and maintenance of collections strategies by segment and product, including early warning indicators, dunning workflows, contact protocols, and legal escalation triggers.Define and configure collections workflows within LoanPro, ensuring collections team activity is tracked and measurable.Collaborate with collections staff to ground policy in field reality, and translate that learning back into process and system improvements.Financial & Accounting CoordinationWork with the Head of Finance and accounting team to ensure each credit product is correctly reflected in the General Ledger: origination fees, interest accrual, deferred income, provisions, and write-offs.Define and document the accounting treatment for each credit product, including the journal entry logic for all lifecycle events.Support the design of a financial reporting architecture that enables segment-level and product-level profitability analysis.RequirementsRequired3+ years of experience in SME lending, fintech credit operations, commercial banking, factoring, or financial product managementDemonstrated ability to write credit policies, underwriting guidelines, and process documentationFamiliarity with Loan Management Systems (LoanPro, nCino, Mambu, or equivalent)Strong analytical skills and comfort with financial modeling, APR/CAT calculations, and portfolio performance metricsExcellent written and verbal communication in both Spanish and English (professional proficiency in both is non-negotiable)Experience working in or with regulated financial institutionsAbility to manage multiple workstreams independently in a fast-paced, startup environmentStrongly PreferredExperience in LATAM fintech or SME lending, particularly in Central America or El SalvadorHands-on configuration experience with LoanProExposure to factoring, invoice discounting, or receivables finance productsFamiliarity with El Salvador's financial regulatory framework (BCR, SSF)Academic BackgroundDegree in Finance, Economics, Industrial Engineering, Business Administration, or a related field. Postgraduate studies in Finance or Credit Risk are a strong plus. Certifications in credit risk management, process design, or product management are valued.Non-Negotiable TraitsHighly organized with a strong bias toward documentation, structured thinking, and version-controlled outputsComfortable operating in ambiguity — able to build institutional knowledge where little exists todayStrong communicator who can write tight policy documents and present clearly to executive stakeholdersCollaborative by nature, but decisive when the moment calls for itGenuine interest in financial inclusion and the SME ecosystem in El Salvador and Central AmericaWhat Abaco OffersA foundational role with significant institutional impact from day oneThe opportunity to build Abaco's credit product architecture from the ground up — not inherit itCompetitive compensation with performance-based components tied to portfolio growth and product quality metricsDirect collaboration with and access to the founding team and COOA fast-moving, mission-driven environment where your work visibly shapes the company's trajectoryA clear growth path toward a VP or Head of Credit Products role as Abaco scales