Product Designer - Crédito

📍 Job Overview

Job Title: Product Designer - Crédito Company: Banco PAN Location: São Paulo, SP, Brazil Job Type: Full-time Category: Product Design / UX/UI Date Posted: May 05, 2026 Experience Level: Mid-Level (2-5 years) Remote Status: Hybrid

🚀 Role Summary

• Design user-centric digital products with a focus on credit offerings, driving innovation in the fintech and banking sector.
• Collaborate closely with cross-functional teams, including business, product, and technology, to translate complex user needs and business rules into intuitive and efficient user experiences.
• Develop end-to-end user flows for both acquisition (contratação) and post-sales processes, ensuring a seamless customer journey.
• Contribute to the evolution of conversational interfaces, specifically leveraging channels like WhatsApp and bots to enhance customer engagement and support.
• Utilize data-driven insights and user feedback to inform design decisions and iterate on product features, ensuring alignment with business objectives and user satisfaction.

📝 Enhancement Note: This role is specifically for the "Crédito" (Credit) product line within Banco PAN, indicating a specialization in financial products. The hybrid model suggests a need for on-site collaboration while offering flexibility. The emphasis on data and complex business rules points towards a role requiring strong analytical and problem-solving skills within a highly regulated industry.

📈 Primary Responsibilities

• Partner with business, product, and technology teams from problem definition through solution delivery, ensuring a cohesive GTM strategy.
• Deeply understand the business context, product rules, and user needs before proposing design solutions, aligning with Go-to-Market (GTM) objectives.
• Translate complex problems into clear, simple, and efficient user experiences, focusing on intuitive navigation and user flow optimization.
• Design and evolve end-to-end user flows for both customer acquisition (contratação) and post-sales processes, ensuring a streamlined customer journey.
• Proactively question demands and propose more effective alternatives to optimize processes and enhance user satisfaction.
• Contribute to the evolution of conversational flows across channels such as WhatsApp and bots, enhancing user interaction and support efficiency.
• Utilize data and insights to inform design decisions, validate hypotheses, and measure the impact of design changes on key performance indicators (KPIs).
• Ensure the quality of the implemented experience in collaboration with the technology team, overseeing design handoff and implementation details.

📝 Enhancement Note: The responsibilities highlight a hands-on design role with significant cross-functional collaboration, crucial for GTM success. The need to "question demands" and propose alternatives indicates an expectation of strategic input beyond pure design execution. The focus on "contratação e pós-venda" (acquisition and post-sales) implies responsibility for the entire customer lifecycle within the credit product.

🎓 Skills & Qualifications

Education: A degree in Design, Human-Computer Interaction, Psychology, or a related field is typically expected for Product Designer roles, although equivalent practical experience will be considered.

Experience: Minimum of 2-5 years of solid experience as a Product Designer working on digital products, with a strong portfolio showcasing complex problem-solving and user-centered design solutions. Experience in the fintech or banking industry is highly advantageous.

Required Skills:

• Solid experience as a Product Designer for digital products.
• Demonstrated ability to work with autonomy and proactivity in design initiatives.
• Proven ability to understand and work with complex business rules and financial regulations.
• Experience collaborating closely with diverse teams including Product Management, Business Stakeholders, and Engineering.
• Strong argumentation and influencing skills to effectively communicate design rationale and drive adoption.
• Proficiency in Figma for wireframing, prototyping, and high-fidelity design.

Preferred Skills:

• Experience designing for conversational interfaces (chatbots, messaging apps like WhatsApp).
• Familiarity with data analysis tools and methodologies for informing design decisions.
• Understanding of agile development methodologies and experience working within sprint cycles.
• Knowledge of accessibility standards and best practices in UX design.
• Experience in the Brazilian fintech or banking sector.

📝 Enhancement Note: The "Mid-Level" experience requirement (2-5 years) suggests a need for candidates who can work independently but may still benefit from guidance on highly strategic initiatives. Proficiency in Figma is explicitly stated as a core requirement, and experience with conversational UX is highly valued.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• Showcase a minimum of 2-3 detailed case studies demonstrating your process from problem identification to solution implementation, with a clear focus on the "Crédito" (Credit) product area if possible.
• Highlight your ability to translate complex business requirements and user needs into intuitive and effective design solutions.
• Include examples of end-to-end user flows, wireframes, prototypes, and final UI designs.
• Demonstrate how you leveraged data, user research, or A/B testing to inform your design decisions and measure impact.
• Provide evidence of your collaboration with product managers, engineers, and business stakeholders throughout the design process.

Process Documentation:

• Clearly articulate your design process, emphasizing stages such as research, ideation, prototyping, testing, and iteration.
• Document how you approach understanding and mapping complex business rules and user journeys for financial products.
• Illustrate how you conduct user testing and incorporate feedback to refine designs and ensure usability.
• Explain your methods for collaborating with engineering teams for seamless design handoff and implementation.

📝 Enhancement Note: Given the role's emphasis on complex business rules and end-to-end flows within a regulated industry, the portfolio should strongly emphasize the candidate's structured approach to problem-solving and their ability to document and communicate their design process effectively. Demonstrating an understanding of how design impacts business KPIs will be crucial.

💵 Compensation & Benefits

Salary Range: Based on industry benchmarks for Mid-Level Product Designers in São Paulo, Brazil, a competitive salary range would likely be between R$ 7,000 to R$ 11,000 per month. This estimate considers the company's size, the specific industry (fintech/banking), and the required experience level.

Benefits:

• Bonus / PLR (Profit Sharing/Performance Bonus)
• Vale Refeição (Meal Voucher)
• Vale Alimentação (Food Voucher)
• 13º de Vale Alimentação (13th Food Voucher)
• Convênio Médico (Medical Insurance) with in-patient coverage in a private room (apartment) for the employee and dependents.
• Convênio Odonto/Ortodôntico (Dental/Orthodontic Insurance)
• Ambulatório Médico no escritório (On-site Medical Clinic)
• Telemedicina Dr. Alper (Einstein Conecta) - Unlimited access.
• Seguro de Vida (Life Insurance)
• Descontos em mais de 10 mil farmácias (Discounts at over 10,000 pharmacies)
• 4 Sessões de psicoterapia por mês (4 Psychotherapy sessions per month)
• Licença familiar estendida (Extended family leave: 6 months for primary caregiver, 30 days for secondary caregiver)
• Auxílio Creche / Babá (Daycare/Nanny Allowance)
• AcomPANha (Maternity support program)
• Wellhub/Totalpass (Wellness and fitness platform access)
• Auxílio tecnologia assistivas (Assistive technology allowance: 85% reimbursement for employees with disabilities)
• Programas de desenvolvimento (Development programs)
• Salão de beleza no escritório (On-site beauty salon)
• PAE (Employee Assistance Program: Legal, Financial, Psychological, and Social Guidance)
• Portal de descontos em diversos segmentos (Allya) (Discount portal across various segments)
• Campanha de vacinação (Vaccination campaign for employee and dependents)
• Facilitação no financiamento de veículos (Vehicle financing facilitation - subject to analysis)
• Cartão de crédito PAN com limite diferenciado (PAN credit card with differentiated limit - subject to analysis)
• Vale Transporte (Transportation Voucher - 4% discount)
• Assistência Funeral (Funeral Assistance)

Working Hours: Standard full-time working hours, likely 40 hours per week, with a hybrid model requiring 2 days per week in the São Paulo office and 3 days of remote work.

📝 Enhancement Note: The salary estimate is based on median figures for Product Designers with 2-5 years of experience in major Brazilian cities, adjusted for the financial sector. The extensive list of benefits is a significant draw and indicates a strong commitment to employee well-being and development. The hybrid arrangement specifies a clear 2-day office presence.

🎯 Team & Company Context

🏢 Company Culture

Industry: Financial Services / Fintech (specifically banking and credit). Banco PAN operates within a dynamic and competitive financial landscape, emphasizing digital transformation and customer-centric solutions. This context requires designers to be adaptable, innovative, and keenly aware of regulatory requirements and market trends. Company Size: Banco PAN is a large financial institution, suggesting a structured environment with opportunities for growth and impact across various departments. The size implies robust processes and a significant employee base, fostering a collaborative yet professional atmosphere. Founded: Banco PAN has a history dating back to 1969, evolving significantly over the years. This long-standing presence combined with its modern digital initiatives creates a unique culture that values both tradition and innovation.

Team Structure:

• The Product Design team likely operates within a broader Product or Technology division, working in close-knit squads or pods alongside Product Managers, Engineers, and Business Analysts.
• Reporting structure would typically involve a Design Lead or Head of Product, with designers collaborating across multiple product lines, including the specialized "Crédito" team.
• Cross-functional collaboration is a cornerstone, with designers acting as key liaisons between user needs, business objectives, and technical feasibility.

Methodology:

• Data analysis and insights are crucial for informing design decisions, particularly in the credit sector where risk assessment and user behavior are paramount.
• Workflow planning and optimization are central to designing efficient customer journeys, from onboarding to transaction processing.
• Automation and efficiency practices are likely integrated into the design process, especially for conversational interfaces and streamlining internal processes.

Company Website: https://www.bancopan.com.br/

📝 Enhancement Note: Banco PAN's established presence in the financial sector, coupled with its focus on digital transformation, suggests a culture that balances stability with rapid innovation. The "Crédito" specialization implies a deep dive into the nuances of financial product design and risk management.

📈 Career & Growth Analysis

Operations Career Level: This role is positioned as a Mid-Level Product Designer. This means you are expected to contribute significantly to design projects with a degree of independence, mentor junior designers on specific tasks, and collaborate effectively with senior stakeholders. You will be responsible for the end-to-end design process for specific features or product areas within the credit portfolio.

Reporting Structure: You will likely report to a Design Lead or Head of Product Design, who oversees the design strategy and team development. You will work closely with Product Managers and Engineering Leads for the credit product line, forming a core product team.

Operations Impact: As a Product Designer focused on the Crédito portfolio, your work will directly impact customer acquisition, retention, and overall satisfaction with the bank's credit offerings. Your designs will influence critical business metrics such as conversion rates, customer lifetime value, and operational efficiency.

Growth Opportunities:

• Specialization: Deepen expertise in financial product design, particularly in credit products, becoming a go-to expert within the organization.
• Leadership: Progress to a Senior Product Designer or Lead Product Designer role, taking ownership of larger product areas, mentoring junior designers, and influencing design strategy.
• Skill Development: Participate in programs for advanced UX research, service design, conversational AI design, and data analytics to enhance your design toolkit.
• Cross-functional Mobility: Opportunity to move into Product Management or UX Research roles, leveraging your deep understanding of user needs and product strategy.

📝 Enhancement Note: The growth opportunities emphasize both vertical progression within design and horizontal movement into related product functions, offering a well-rounded career path within a large financial institution. The hybrid model also supports work-life balance, which can be a factor in long-term career satisfaction.

🌐 Work Environment

Office Type: Banco PAN operates with a hybrid work model. This means the office environment is designed for collaboration and focused work, supporting the 2 days per week requirement. Expect a professional setting conducive to team meetings, brainstorming sessions, and hands-on design work.

Office Location(s): The role is based in São Paulo, a major business hub in Brazil. The specific office location will be provided upon inquiry, but it's expected to be accessible via public transport and well-equipped for modern work needs.

Workspace Context:

• Collaborative Environment: The office space likely features meeting rooms, breakout areas, and open-plan desks designed to facilitate interaction and knowledge sharing among design, product, and engineering teams.
• Operations Tools & Technology: Access to high-speed internet, design software (Figma is a must), prototyping tools, and collaboration platforms will be standard. The company's commitment to digital transformation suggests a modern tech stack.
• Team Interaction: Regular in-person sessions are planned for strategic discussions, design critiques, and team-building activities, fostering strong working relationships.

Work Schedule: The hybrid model allows for flexibility, with 3 days of remote work and 2 mandatory days in the São Paulo office. This schedule is designed to balance focused design work and collaboration with personal flexibility.

📝 Enhancement Note: The hybrid model is clearly defined, emphasizing the need for in-office presence for collaborative activities. This structure aims to capture the benefits of both remote work (focus, flexibility) and in-office work (collaboration, culture building).

📄 Application & Portfolio Review Process

Interview Process:

• Initial Screening: A brief call with an HR representative to assess basic qualifications, cultural fit, and interest in the role.
• Hiring Manager/Design Lead Interview: A discussion focused on your experience, design philosophy, and approach to problem-solving. You'll be asked about your background in digital product design, particularly in financial services.
• Portfolio Review: A dedicated session where you present 2-3 of your strongest case studies. Be prepared to walk through your process, design decisions, challenges, and outcomes. Focus on the "why" behind your choices.
• Technical/Skills Assessment: This might involve a design exercise or a discussion about your proficiency with Figma and other design tools, as well as your understanding of UX principles and business rule translation.
• Cross-functional Stakeholder Interviews: You may meet with Product Managers, Engineers, or Business Leads to assess your collaboration skills and ability to work effectively within a cross-functional team.
• Final Interview: A discussion with a senior leader to confirm cultural fit and overall suitability for the role and Banco PAN.

Portfolio Review Tips:

• Focus on Process: Don't just show final screens; explain your end-to-end design process. Detail how you identified the problem, conducted research, ideated solutions, tested prototypes, and iterated based on feedback.
• Quantify Impact: Where possible, use metrics to demonstrate the success of your designs. For example, "Increased conversion rate by X%" or "Reduced task completion time by Y%."
• Tell a Story: Structure your case studies as compelling narratives. Explain the business context, the user's pain points, your unique contribution, and the final results.
• Tailor to the Role: Highlight projects that demonstrate experience with complex business rules, end-to-end flows, and ideally, financial products or conversational interfaces.
• Be Prepared for Figma Questions: Be ready to discuss your Figma workflow, use of components, prototyping features, and how you collaborate with others within the tool.

Challenge Preparation:

• Design Exercise: You might be given a hypothetical problem related to credit products or customer onboarding and asked to create a quick prototype or wireframes. Focus on demonstrating your problem-solving approach and understanding of user needs.
• Business Rule Translation: Be ready to discuss how you would approach designing a feature with complex regulatory or business constraints.
• Stakeholder Communication: Practice articulating your design decisions clearly and concisely, justifying them with user insights and business goals.

📝 Enhancement Note: The interview process is structured to evaluate not only design skills but also the ability to collaborate, problem-solve complex issues, and understand business objectives within the financial sector. The portfolio review is a critical component, requiring candidates to showcase their process and impact.

🛠 Tools & Technology Stack

Primary Tools:

• Figma: This is the cornerstone tool for design, prototyping, and collaboration. Proficiency in creating design systems, components, auto-layout, and interactive prototypes is essential.
• Prototyping Tools: While Figma includes robust prototyping features, familiarity with other tools like InVision or Adobe XD might be beneficial for broader context.
• Collaboration Platforms: Tools like Jira and Confluence are likely used for project management and documentation, requiring designers to integrate their work into these workflows.

Analytics & Reporting:

• Data Analysis Tools: Experience with tools like Google Analytics, Amplitude, Mixpanel, or internal BI tools will be advantageous for understanding user behavior and measuring design impact.
• Reporting Dashboards: Familiarity with tools like Tableau or Power BI for visualizing data and communicating insights to stakeholders.

CRM & Automation:

• CRM Systems: While not a direct user, understanding how CRM systems (e.g., Salesforce) integrate with customer-facing products is helpful.
• Automation Tools: Awareness of how design impacts automated processes, especially in conversational interfaces (e.g., chatbot platforms), is a plus.

📝 Enhancement Note: Figma is explicitly mentioned as a required skill. The emphasis on data-driven decision-making suggests that familiarity with analytics platforms for user behavior tracking and performance measurement will be highly valued.

👥 Team Culture & Values

Operations Values:

• Intensidade (Intensity): A drive to execute tasks with high energy and commitment, pushing projects forward efficiently.
• Inconformismo (Nonconformity): A proactive mindset that questions the status quo and seeks innovative solutions, challenging existing processes to achieve better outcomes.
• Eficiência (Efficiency): A focus on optimizing workflows and resource utilization to achieve maximum output with minimal waste, a core tenet of operations.
• Espírito de equipe (Team Spirit): A collaborative approach where individuals work together towards common goals, valuing mutual support and shared success.
• Integridade (Integrity): Upholding ethical standards and honesty in all interactions and decisions, crucial in the financial industry.

Collaboration Style:

• Cross-functional Integration: Expect a highly collaborative environment where designers work closely with product managers, engineers, business analysts, and marketing teams to ensure alignment and cohesive product development.
• Process Review Culture: Openness to design critiques, feedback sessions, and iterative improvements based on team input and user insights.
• Knowledge Sharing: A culture that encourages sharing best practices, design patterns, and learnings across teams to foster continuous improvement and elevate the overall design quality.

📝 Enhancement Note: The company's core values (Intensity, Nonconformity, Efficiency, Team Spirit, Integrity) are deeply embedded and should be reflected in how candidates present their work and approach problem-solving. These values directly align with effective operations and GTM strategies.

⚡ Challenges & Growth Opportunities

Challenges:

• Navigating Complex Financial Regulations: Designing within the strict regulatory framework of the Brazilian banking and credit sector requires careful attention to compliance and risk management, impacting design choices.
• Balancing User Needs with Business Constraints: Effectively translating intricate business rules and risk appetites into user-friendly interfaces while meeting business objectives.
• Evolving Digital Landscape: Keeping pace with rapid technological advancements and changing customer expectations in the fintech space, requiring continuous learning and adaptation.
• Data Interpretation for Design: Leveraging diverse data sources to gain actionable insights that inform design decisions, moving beyond assumptions to data-backed solutions.

Learning & Development Opportunities:

• Specialized Financial UX Training: Access to workshops and courses focused on UX design within the financial services industry.
• Advanced Design System Development: Opportunities to contribute to and lead the evolution of Banco PAN's design system, enhancing consistency and efficiency.
• Conversational AI and Chatbot Design: Developing expertise in designing engaging and effective conversational interfaces for customer support and engagement.
• Leadership and Mentorship Programs: Pathways to develop leadership skills, mentor junior designers, and influence product strategy.

📝 Enhancement Note: The challenges highlight the unique complexities of designing for the financial sector, particularly in Brazil. The growth opportunities are geared towards developing specialized skills and leadership potential within this domain.

💡 Interview Preparation

Strategy Questions:

• "Describe a time you had to design for a product with complex regulatory requirements. How did you approach it, and what was the outcome?" (Focus on process, stakeholder management, and compliance awareness).
• "How do you balance user experience needs with strict business rules or technical constraints in your design process?" (Demonstrate problem-solving, negotiation, and compromise skills).
• "Walk us through an end-to-end user flow you designed. What were the key touchpoints, and how did you ensure a seamless experience?" (Showcase your ability to map journeys and design for the full customer lifecycle).
• "How do you use data and analytics to inform your design decisions? Can you provide an example?" (Highlight your data-driven approach and ability to measure impact).

Company & Culture Questions:

• "What interests you about Banco PAN and our focus on the credit market?" (Research the company's recent initiatives, mission, and values).
• "How do you embody our company values, such as 'Inconformismo' or 'Eficiência', in your design work?" (Connect your past experiences and work style to the stated values).
• "Describe your experience working in a hybrid environment. How do you ensure effective collaboration with remote and in-office colleagues?" (Discuss strategies for communication, documentation, and team engagement).

Portfolio Presentation Strategy:

• Structure Your Narrative: For each case study, clearly state the problem, your role, your process, the challenges encountered, your solutions, and the measurable results.
• Focus on "Why": Explain the rationale behind your design decisions. Why did you choose a particular UI pattern? Why did you prioritize one feature over another?
• Highlight Collaboration: Showcase how you worked with different teams. Mention specific instances of collaboration with product managers, engineers, or business stakeholders.
• Demonstrate Figma Proficiency: Be ready to discuss your Figma workflow, including your use of components, variants, auto-layout, and prototyping features. If possible, be prepared to share your Figma file or a walkthrough.
• Quantify Impact: Wherever possible, present metrics that demonstrate the success of your designs. If exact metrics aren't available, discuss the intended impact and how you would measure it.

📝 Enhancement Note: Preparing for questions that test your understanding of financial product design, your ability to work within constraints, and your alignment with the company's specific values will be crucial. Clearly articulating your design process and its impact, supported by your portfolio, is key to success.

📌 Application Steps

To apply for this Product Designer position:

• Submit your application through the Greenhouse portal via the provided link.
• Customize Your Resume: Tailor your resume to highlight your experience in digital product design, specifically mentioning any experience with financial products, credit, or conversational interfaces. Use keywords from the job description such as "Product Designer," "Figma," "UX/UI," "End-to-end flows," and "business rules."
• Prepare Your Portfolio: Ensure your portfolio is up-to-date, easily accessible (preferably a link), and showcases 2-3 strong case studies demonstrating your design process, problem-solving skills, and impact. Focus on projects relevant to the role's requirements.
• Research Banco PAN: Understand the company's mission, values, recent news, and their position in the Brazilian financial market. Familiarize yourself with their digital offerings, especially in the credit sector.
• Practice Your Pitch: Be ready to articulate your design philosophy, your experience with Figma, and your approach to collaborating in a hybrid environment. Practice presenting your portfolio case studies clearly and concisely.