Product Manager

Novicap is an end-to-end working capital solutions provider focused on enabling CFOs/Finance teams of SMEs to pay their suppliers and collect from their customers. This includes short-term credit (factoring, supply chain finance and loans) and payment automation solutions.

With offices in Barcelona and Madrid, we are currently looking for a Product Manager who wants to join our team. As a Product Manager, you will play a key role in delivering real, measurable business value through our products, to both our demanding client base and Novicap. This is a place where everybody has a voice and we love to hear it, so you will be able to share your ideas and opinions from day one.


Sounds interesting? Keep reading!




What will you do? As said, you will join us as a Product Manager. Working with the Head of Product, Technology Team and the wider business, you will turn customer and business needs into product development or product improvements. You will contribute to the product strategy needed to meet our business goals , own the roadmap for one or more products, and manage the development of products, features and maintenance.

We expect you to be the subject matter expert for the products you own, and will drive the delivery of the next generation of products for Novicap.

More importantly, you will make decisions based on analysis, stakeholder feedback, and overall business goals. In doing so, you will ensure alignment between Product, Tech, and other teams with respect to product vision and project implementation.

You will collaborate with teams across the entire organization to contribute to our growth plans. You will drive the scaling of our business by:


Managing the improvement of the existing proposition to make it more relevant to our existing and target customers, more profitable and easier to operate;
Owning product discovery and new product development to satisfy the unmet needs of potential clients, including short-term lending and enhancing our collateral capabilities;
Working with Sales to showcase the benefits of our product through demonstrations, simulations and proposals;
Scaling operational processes to allow us to support an expanded client portfolio;
Working with Risk and Legal to minimize and/or manage credit risk when operating our products.

How will you do it? With integrity. transparency and clarity are the cornerstones of our work. We honor our agreements and take responsibility for our actions. Furthermore, we are aware that we can always improve and we welcome feedback, in order to continue to grow .

We always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven approach.

And finally, we are generous and give first. We support and contribute to our community, seeking the common good above our own interests.


Who will you be working with? You will report directly to the Head of Product and will be working closely with another Product Manager, the Tech team and the rest Novicapers across Madrid and Barcelona. A young and dynamic team that's waiting for you with arms open!



What do we need from you? We need someone with a product mindset, who thinks repeatable and scalable value over short-term wins and who is comfortable working in startup environments and refining ambiguous details. Sounds like you?

As a Product Manager at Novicap, you must also have listening and communication skills in English and in Spanish (multicultural team here!) that help you both with listening to what's not being said and influence others to help achieve business goals. Both things will help you in building relationships across all domains and levels in the organization.

We expect that you are a doer and take ownership of your role, being independent in achieving personal and team objectives. If you are confident to understand and then challenge and you like process thinking and problem solving and the strategic part of it all, this is your place!

What do you need to succeed?:

4+ years of Product management experience in a B2B lending product in a technology-driven environment
Direct experience of product discovery or management experience in working capital products in Spain
Experience in driving cross-functional teams to deliver business goals through technology
Experience identifying, sourcing, curating, researching and validating business opportunities
Strong customer/stakeholder interview skills to identify customer needs and pains
Experience of product owner-type responsibility in product development environment, including the translation of complex business needs into work packages that can be scoped by engineering
Experience in driving cross-functional teams to deliver business goals through technology
Experience of modeling business and operational processes
Experience with product roadmapping and prioritization
Data-driven decision making

Bonus points if you:


Have work as a Product Manager in SaaS or FinTech product
Have work as a Software Engineer
Have defined the Go-to-market strategy

What we can offer: Competitive salary package
Full-time work with an open-ended contract
Hybrid work model: we work 3 days from the office and 2 days from home to improve work-life balance
Flexible benefits with Cobee: you will be able to include in your paycheck the monthly expenses for food, transportation, daycare and others
Medical insurance: we offer an optional health insurance through Sanitas, with competitive rates and Novicap subsidizes 30% to guarantee your wellbeing
Communicate better with your colleagues by signing up for free English or Spanish classes if you need them
Gym membership with Urban Sports Club, partly subsidized by Novicap (we also have a running club!)
Incredible and highly motivated co-workers
You will participate in our company events and get to meet the rest of the team that is spread across Spain
You will be part of our dynamic and international work environment, with a flat hierarchy and open communication between teams
Library with plenty of books to choose from. If you can't find anything, let us know and we'll add it to the library.
Free fruit, coffee and tea in the office. We know it's customary, but we like to take care of you anyway.

Novicap is an equal opportunity employer and does not discriminate on the basis of race, color, national origin, ancestry, citizenship status, religion, physical or mental disability, marital status, sex, sexual orientation, gender identity or expression, age, or any other basis protected by law, ordinance, or regulation. We make every effort to ensure that all candidates are treated fairly and equally.


If you think you don't tick all the boxes, we'd still love to hear from you. Nobody checks every box, and we are looking for someone excited to join the team!



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