Product Lead, BillPay Mexico (SPEI)
ABOUT CLARA Clara is the leading spend management platform for businesses in Latin America. We provide corporate cards, expense management, and AP automation across Mexico, Colombia, and Brazil. Our mission: give every company in Latin America complete control of their spending.
Small, high-powered squads. Senior engineers. AI tools baked into how we work. The person running product for a squad doesn't just write specs — they own outcomes end to end.
ABOUT THE ROLE SPEI is Mexico's primary interbank payment rail. For Clara customers, it powers everything from supplier payments to tax disbursements to payroll runs. BillPay Mexico is the product that makes this seamless — domestic and cross-border transfers, payment tracking, reconciliation, and the compliance layer that keeps everything clean with SAT, CNBV, and banking partners.
This is a squad lead role reporting directly to the Global Product Director. You'll own the full BillPay product experience for the Mexican market: payment flows, bank partner integrations, disbursement reliability, and the back-office tooling that supports operations and finance. You'll work closely with engineers, design, banking infrastructure, compliance, and enterprise sales teams.
This role requires physical presence in Mexico City — we're in active conversations with banking partners and regulators, and showing up in person matters.
WHAT YOU'LL DO
Own discovery, prioritization, and outcomes for the BillPay MX squad — understand why payment success rates move, why reconciliation breaks, and why customers churn, not just what launched
Build deep understanding of SPEI infrastructure: clearing windows, return codes, CLABE validation, and failure propagation — and extend that to cross-border flows (FX rails, correspondent banking, settlement timing)
Maintain and evolve banking partner relationships from a product perspective: know what integration contracts allow, where bottlenecks are, and what needs to be negotiated next
Own compliance signals: SAT requirements, CNBV guidelines, and PLD/AML obligations for transfer products
Define and track the metrics that matter: payment success rate, settlement time, reconciliation error rate, time-to-resolve for failed transfers, and BillPay contribution to customer retention
Design and iterate on disbursement workflows — from single transfers to bulk payment runs for hundreds of suppliers
Prototype with AI tools (Cursor, Claude Code, v0) before committing engineering time
Contribute straightforward code changes (copy, config, feature flags, simple UI, analytics) through engineer-reviewed PRs
Work in Git daily: read PRs, understand what shipped, follow what's blocked
WHAT WE'RE LOOKING FOR
Experience
5+ years in product management, with at least 2 years owning a payments, banking, or financial infrastructure product
Track record of shipping products that moved business metrics — not just features that launched
Hands-on experience with payment rails, banking APIs, or financial infrastructure at a product level
Comfortable working with engineers as peers, not through project managers or coordinators
Domain knowledge — payments
Deep understanding of SPEI: clearing cycles, error handling, CLABE structure, and how to design reliable retry and fallback flows
Familiarity with cross-border payment rails: FX conversion, correspondent banking, SWIFT or alternative rails, and associated compliance overhead
Familiarity with Mexican banking regulations: SAT CFDIs, CNBV licensing implications, AML/PLD obligations
Experience integrating with or managing bank correspondent relationships from a product side
Understands how reconciliation works end to end: what breaks it, how to design around it, and how to give finance teams the visibility they need
Technical fluency
Can prototype a working concept using AI coding tools (Cursor, Claude Code, or similar)
Comfortable with Git: branches, commits, PRs, reading diffs
Can read code well enough to follow what a PR does and ask informed questions
Understands API integrations, webhooks, async payment flows, and idempotency patterns at a conceptual level
Product fundamentals
Strong discovery instincts — finds the real problem before designing a solution
Data-literate: comfortable with SQL, funnel analysis, and experiment design
Clear written communicator in both Spanish and English
Strong stakeholder management across engineering, banking partners, compliance, finance, and enterprise sales
Mindset
High agency — defaults to action over process
Treats AI tools as core workflow, not a novelty
Comfortable in ambiguous regulatory environments — knows how to make progress without waiting for perfect clarity
NICE TO HAVE
Experience with ERP integrations (SAP, Oracle, Aspel, CONTPAQi) from a payments or AP perspective
Familiarity with Banxico's regulatory framework and SPEI operating rules
Experience with multi-currency or cross-border payment products at production scale
SQL fluency beyond "can write a query" — you've built your own dashboards and done your own reconciliation analysis
LANGUAGES Full bilingual proficiency in English and Spanish required. Native or near-native Spanish is a hard requirement — not a nice-to-have. You'll work in English with cross-functional teams across LatAm and in Spanish with banking partners, regulators, and customers in Mexico. Portuguese is a plus.