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Nava Technology for Business


São Paulo, SP, Brasil

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Product Owner (PO) – INSS Consignado - Banking Products

Hybrid

São Paulo, SP

Salary Range

Not informed

Full Time Employee

Experience Level

Senior

Requirements

6+ years of experience in the career
Gestão de Backlog
Gestão de Produtos Digitais
BACEN
Fluxos Dataprev
Averbações INSS
SLA regulatório
Product Ownership
Scrum
Agile Methodologies

Desired Skills

Produtos financeiros
Operações de crédito
Processadoras de crédito
Experiência com setor público

Tasks and Responsibilities

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We are seeking a Product Owner with strong expertise in payroll-deducted credit products (INSS), capable of leading strategic initiatives by translating business needs into efficient solutions compliant with the regulatory context.


🚀 Responsibilities

  • Act as a bridge between business, technology, and stakeholders
  • Define, prioritize, and manage the product backlog
  • Lead agile ceremonies (planning, review, refinement)
  • Ensure deliveries focused on value and user experience
  • Work with multidisciplinary teams (squad)
  • Monitor metrics and product evolution

Mandatory Requirements (Main Criterion)

  • Strong experience with INSS Payroll-Deducted Loans (Consignado)
  • Mastery of rules and workflows:
    • INSS Rules
    • Dataprev Workflows
    • INSS Endorsements (Averbações)
    • Margin Reserve (RMC/RCC)
    • Refinancing
    • Portability
    • Debt Purchase
    • Consignable Margin
    • Consent Workflow
    • Digital Formalization

📊 Technical Knowledge

  • Dataprev integration pipeline
  • Rejection reasons
  • Regulatory SLA

⚖️ Regulatory Knowledge

  • INSS
  • Applicable BACEN regulations
  • LGPD applied to formalization
  • Documentary compliance
  • Document retention
  • Audit trails

Differentials

  • Experience in public agencies
  • Exposure to credit processors

🧩 Position Context

  • Work on payroll-deducted loan operations
  • Structuring and evolving an agile squad

📍 Hybrid model (2 days per week onsite)


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