Product Lead, BillPay Mexico (SPEI)

Posted 3 Days Ago
Be an Early Applicant
3 Locations
In-Office or Remote
Senior level
Payments • Financial Services
The Role
Own the BillPay Mexico product and lead the squad responsible for SPEI payment flows, bank integrations, disbursement reliability, reconciliation, compliance, and back-office tooling. Drive discovery, prioritization, product metrics, payment workflows, and partner relationships while collaborating with engineering, design, compliance, finance, and sales. The role requires deep payments infrastructure expertise, technical fluency with APIs and Git, bilingual English-Spanish communication, and physical presence in Mexico City.
Summary Generated by Built In
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Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale.

Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. 
We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas.

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.

Why join Clara

At Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America.

Who we are
  • We’re the leading B2B fintech for spend management in Latin America.

  • Certified as one of the world's fastest-growing companies, a Great Place to Work, and a LinkedIn Top Startup.

  • Passionate about making Latin America more prosperous and competitive.

  • Constantly innovating to build financial infrastructure that enables each of our customers to thrive.

  • Product-led, high-talent-density culture — designed for builders who raise the bar.

  • Proud of our open, inclusive, and values-driven environment.

What we believe in
  • #Clarity. We say things clearly, directly, and proactively.

  • #Simplicity. We reduce noise to focus on what really matters.

  • #Ownership. We take responsibility and never wait to be told.

  • #Pride. We build products and experiences we’re proud of.

  • #Always Be Changing (ABC). We grow through feedback, risk-taking, and action.

  • #Inclusivity. Every voice counts. Everyone contributes to our mission.

What we offer
  • Competitive salary and stock options (ESOP) from day one

  • Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language)

  • Annual learning budget and internal accelerated development paths

  • High-ownership environment: we move fast, learn fast, and raise the bar — together

  • Smart, ambitious teammates — low ego, high impact

  • Flexible vacation and hybrid work model focused on results

If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.

 

Clara’s Hybrid Policy

Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team.

We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.

Skills Required

  • 5+ years of product management experience
  • At least 2 years owning a payments, banking, or financial infrastructure product
  • Track record of shipping products that improved business metrics
  • Hands-on experience with payment rails, banking APIs, or financial infrastructure at a product level
  • Experience working with engineers as peers
  • Deep understanding of SPEI clearing cycles, error handling, CLABE structure, and retry or fallback flows
  • Familiarity with cross-border payment rails, FX conversion, correspondent banking, SWIFT or alternative rails, and compliance requirements
  • Familiarity with Mexican banking regulations, SAT CFDIs, CNBV licensing implications, and AML/PLD obligations
  • Experience integrating with or managing bank correspondent relationships from a product perspective
  • End-to-end understanding of payment reconciliation
  • Ability to prototype using AI coding tools such as Cursor, Claude Code, or similar
  • Comfort with Git branches, commits, pull requests, and code diffs
  • Ability to read code and understand API integrations, webhooks, asynchronous payment flows, and idempotency patterns
  • Strong product discovery and problem-solving skills
  • Data literacy, including SQL, funnel analysis, and experiment design
  • Full bilingual proficiency in English and Spanish
  • Native or near-native Spanish proficiency
  • Strong stakeholder management across engineering, banking partners, compliance, finance, and enterprise sales
  • Experience with ERP integrations such as SAP, Oracle, Aspel, or CONTPAQi
  • Familiarity with Banxico's regulatory framework and SPEI operating rules
  • Experience with multi-currency or cross-border payment products at production scale
  • Advanced SQL fluency, including dashboard creation and reconciliation analysis
  • Portuguese proficiency

Clara Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Clara and has not been reviewed or approved by Clara.

  • Equity Value & Accessibility Equity grants are emphasized across several descriptions, with stock options commonly included and in some instances available from day one. Feedback suggests this ownership component is a meaningful part of total rewards.
  • Leave & Time Off Breadth Time off offerings are portrayed as flexible, including references to flexible vacation and flexible time off policies. Feedback suggests this supports work–life balance for many roles.
  • Wellbeing & Lifestyle Benefits Wellness support is cited through mental‑health platforms, coaching and meditation programs, and monthly wellness reimbursements in some contexts. Feedback suggests these offerings complement core benefits where available.

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The Company
HQ: San Francisco, CA
476 Employees
Year Founded: 2020

What We Do

Clara is the leading payment platform for companies in Latin America. Our end-to-end solution includes our locally-issued corporate cards, Bill Pay, crossborder payments, and our highly-rated software platform used by thousands of the most successful companies across the region. Clara is backed by top global and regional investors such as Coatue, DST Global, General Catalyst, monashees, Kaszek, Canary, A*, BoxGroup, SV Angel, GFC, Picus Capital, Avid Ventures, ICONIQ Growth, Goldman Sachs, and prominent angel investors. Driven by our six core values (Ownership, Pride, ABC, Simplicity, Clarity and Inclusivity) we’ve reached a unicorn valuation in record time, have been recognized as a Great Place to Work and as one of the most promising startups according to Linkedin’s ranking “Top Startups 2021”. We’re looking for the best talent worldwide to join our team and be part of this journey, so you can't afford to miss this chance! We are: * Shaping business finances in Latin America * Driven by our 6 core values * Proud of our inclusive and caring culture * Certified as a Great Place to Work and a Top LinkedIn Startup

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