We are on a mission to empower Brazil’s 22 million micro and small businesses (MSBs) with financial solutions that truly fit their needs.

We pioneered the use of PIX as a credit platform, enabling MSBs to access working capital instantly. With a single tap, our customers can pay business expenses while enjoying up to 10 days to repay, ensuring consistent cash flow for their operations.

Since launching three years ago, we’ve achieved profitability and experienced exponential growth. To date, we’ve extended over R$7.6 billion (US$ 1.4 billion) in credit to micro and small businesses across Brazil. We’re rapidly scaling to become the leading working capital solution in Brazil’s R$ 3.5 trillion (US$ 652 billion) MSB economy. Much like how credit cards transformed consumer spending, Zippi is redefining how small businesses manage cash flow — instantly accessible, seamlessly integrated, and built for real-world needs.

Our success is fueled by a highly automated, data-driven approach. We’ve built an advanced technological infrastructure that processes vast amounts of payments and credit data, allowing us to underwrite, disburse, and collect at scale while maintaining strong unit economics. We manage the entire credit cycle in-house, leveraging cutting-edge data science to make real-time decisions with precision.

Backed by top-tier investors like Y Combinator and Tiger Global, we have assembled a world-class tech team focused on building a future where every small business in Brazil can thrive. If you’re looking for an opportunity to make a real impact in a cause that’s worth fighting for — at one of the fastest-growing startups in emerging markets, tackling a multibillion-dollar opportunity — Zippi is the place to be.

At Zippi, product is the primary way we deliver value to micro and small businesses. This starts with deeply understanding how our customers run their businesses, how they think about cash flow, and how they make decisions under uncertainty — and translating that understanding into a product that becomes a critical part of their daily operations. As Product Lead, you’ll be responsible for leading this team and setting the bar for product judgment, focus, and execution.

We believe good product work is fundamentally about judgment and about understanding customers as economic actors: choosing which problems are worth solving, which trade-offs to accept, and which bets will compound customer and business value over time.

For us, good product work is inherently cross-functional. Here designing well means working closely with Engineering, Risk, and Data Science, and grounding decisions in a real understanding of how our systems actually work; from risk models to our technological foundations. These teams are not downstream stakeholders or blockers; they are core partners in shaping what we build and how we build it.

Our view is that product is never done, and that most value comes from systems that keep getting better over time. Product acts as the steward of this compounding process — preventing entropy, sharpening focus, and turning learning into durable advantage for both customers and the business.

What You’ll Do

• Own mission-critical product problems — Take end-to-end ownership of the most critical product problems at any given time, make trade-offs explicit, stand behind difficult calls, and drive work that meaningfully improves customer value, retention, and unit economics.
• Translate strategy into decisive action — Turn user insight and business judgment into clear bets, explicit “no’s”, and success metrics, grounded in Zippi’s strategy, technical constraints, and credit/risk impacts.
• Drive product decisions across functions — Partner closely with Engineering, Risk, and Data Science, using a deep understanding of our systems to drive decisions and carry them through delivery, launch, and iteration.
• Model product excellence — Set a high bar for product craft through structured thinking, narrative clarity, and customer obsession, sharing frameworks and learnings that help teams make better decisions.

What We’re Looking For

• Proven track record of owning complexity at scale — You’ve owned mission-critical product areas in high-stakes, ambiguous environments, driving prioritization, trade-offs, and high-quality execution to ship meaningful outcomes (not just features) that materially impacted the business.
• Strong product judgment and clarity — You combine sharp customer insight with structured thinking: you identify real pain, uncover patterns, and turn ambiguity into high-leverage bets, clear decisions, and simple solutions that work.
• High analytical acumen – You bring strong analytical judgment to product decisions, are comfortable working with data and metrics, and know how to connect product choices to business outcomes, unit economics, and second-order effects.
• Operates effectively across teams — You work effectively with Engineering, Risk, Growth, Data, and Operations by understanding how each function actually operates, and you use that understanding to gain leverage and drive decisions forward.

Why You Should Join Us

• A mission with real-world impact – Our mission is to help micro and small businesses thrive. Your work will directly impact 22 million Brazilian entrepreneurs, unlocking financial access in a massive, underserved market.
• High-caliber, low-ego team – You’ll work alongside world-class fintech founders and operators in a collaborative, low-ego environment. We value strong opinions, clear judgment, and thoughtful debate over hierarchy or titles.
• Real ownership, real constraints – This role offers meaningful ownership and influence over product decisions that matter, paired with real constraints and trade-offs. Autonomy here comes from trust and judgment — not from operating in isolation.
• A steep learning and leadership curve – As Zippi scales, this role sits at the center of complex, high-stakes decisions across product, engineering, risk, data, growth and operations. You’ll gain exposure and responsibility faster than in more mature organizations.
• Top of market compensation and long-term alignment – We offer highly competitive pay, equity participation, and a comprehensive benefits package. More importantly, this role is designed for someone who wants to compound impact and responsibility over time as the company grows.

Our engineering team is focused on delivering value to customers by collaborating directly with all business areas. We believe the best decisions arise when we provide context and autonomy to our engineers, allowing them to take ownership in building our solutions.

We prioritize commitment, a willingness to learn, and the ability to collaborate and co-create over specific knowledge of languages or technologies. We tackle high-impact engineering challenges and foster an environment where our engineers work in cross-functional teams, connecting different business areas. We are looking for people with a product mindset and strong critical thinking skills, capable of leading projects with a high level of autonomy.