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World Business Lenders

Real estate secured business loans

Intelligence Products and Systems Manager

Product ManagementConfirmed live in the last 24 hours
Full-timeSan José Province, San José, Costa RicaNo salary listed

About the Job

Requirements

  • Twelve or more years of progressive experience across applied AI/ML, data science, software, analytics, decision systems, or technical product development, including at least five years of people leadership and meaningful experience leading Team Leads, managers, or senior technical/product staff.
  • Demonstrated delivery of AI-enabled or model-driven capabilities into real production use.
  • Demonstrated success building, scaling, or materially improving an applied intelligence, AI product, decision-product, or technical product capability.
  • Ability to coach Team Leads, develop technical/product talent, own and prioritize a portfolio, write clear product requirements and acceptance criteria, and deliver usable production products with cross-functional teams.
  • Experience making funding, sequencing, and trade-off decisions with senior business leaders. Recent hands-on product and technical delivery is required; this is not a management-only role.
  • Experience taking AI-enabled or analytical products from an ambiguous business problem through discovery, business case, prototype, requirements, acceptance criteria, production launch, user adoption, monitoring, and iterative improvement.
  • Experience with modern AI product development and evaluation, including model selection, API-based AI services, structured evaluation, retrieval/grounding, LLM workflow design, human-in-the-loop controls, and production observability, alongside meaningful applied AI experience beyond generative AI.
  • Experience building decision-support or decisioning products that combine data, calculations, rules, models, external data sources, and software into a repeatable user-facing capability.
  • Broad applied AI experience selecting and evaluating the right approach for a business problem, including predictive machine learning, rules and decision engines, optimization, document understanding/extraction, natural language processing, generative AI/large language models, retrieval, agents or tool-using workflows, and hybrid human-in-the-loop systems as appropriate.
  • Demonstrated production integration, monitoring, user adoption, and measurable business outcomes for AI-enabled or model-driven products. Generative AI experience alone is insufficient; candidates must demonstrate broader applied-AI judgment and enough technical depth to challenge model evidence, limitations, and suitability for intended use.
  • Strong understanding of model and product risk, evaluation design, explainability, privacy, security, data quality, access controls, monitoring, drift or degradation, exception handling, human oversight, and responsible use.
  • Ability to communicate technical choices and risk clearly to senior business leaders and translate business requirements into precise direction for data science and engineering teams.
  • Ability to distinguish product ownership from data science and software engineering ownership: define the problem, user experience, requirements, acceptance criteria, operating controls, and outcomes while holding specialist teams accountable for model evidence and software implementation within their domains.
  • Relevant education or professional training in computer science, engineering, data science, mathematics, product management, or a related technical discipline is valued; a degree is not mandatory. Demonstrated product judgment, technical depth, leadership, and production delivery experience are the primary qualifications.

Responsibilities

  • Manage, coach, and develop two Team Leads and four Analysts, with clear ownership, technical standards, feedback, and accountability.
  • Own and prioritize product roadmaps based on user needs, business value, feasibility, data readiness, operational risk, and capacity, with clear success measures and acceptance criteria for each initiative.
  • Own the product portfolio and resource plan; hire, assess performance, develop Team Leads, and build succession coverage for critical product capabilities. Maintain regular hands-on involvement in priority delivery.
  • Oversee product discovery, prototyping, acceptance, deployment into business use, monitoring, improvement, and retirement. Analytics/Data Science owns analytical methods, predictive model development, and model-performance evidence; Software Engineering owns application architecture, implementation, and release quality.
  • Ensure each product integrates into business processes, supports appropriate human oversight and user adoption, and delivers measurable outcomes. Own product acceptance against agreed criteria; business owners approve policy, intended use, and operating decisions. Coordinate user enablement with Business Applications.
  • Develop product business cases and lead discovery through adoption; use evidence of value, feasibility, and risk to recommend which products to fund, scale, improve, or retire.
  • Establish product controls for evaluation, documentation, explainability, privacy, security, change control, monitoring, and responsible use. Coordinate any required independent validation and business approval separately from development and product acceptance.
  • Own product performance monitoring, exception triage, escalation, and corrective-action follow-through. Route model issues to Data Science, data issues to Data Engineering, and software defects to Software Engineering; coordinate user communication with Business Applications.
  • Review product outcomes with senior business leaders, challenge weak performance evidence, and adjust priorities and controls as user needs and operating conditions change.
  • Lead product discovery, develop prototypes, evaluate applied AI approaches, define product behavior and acceptance criteria, challenge model evidence, and investigate performance issues.
  • Build a durable organization through hiring, coaching, delegation, roadmap discipline, standards, performance management, and development of Team Leads.

Desired Qualifications

  • Experience in lending or financial services, business-user support, and data reconciliation is preferred.
  • Generative AI experience is valuable, but is not sufficient by itself.

About the Company

World Business Lenders

Real estate secured business loans

World Business Lenders (WBL) is a direct lender that provides real estate secured loans to small and medium-sized businesses that are often underserved by traditional banks. WBL offers working capital across various sectors, such as trucking, telecommunications, and mining, with loans secured by real estate to reduce risk for the lender while enabling business growth. The loans are funded by WBL, and the company earns revenue from interest and loan-related fees during application and servicing. In practice, customers apply for financing, undergo underwriting, and receive funds secured by property, with repayment built around the borrower’s cash flow. WBL differentiates itself by focusing on underserved markets and using real estate collateral to lower risk, supported by an experienced management team. Its goal is to help small and mid-sized businesses access reliable capital to grow and expand, while maintaining prudent risk management and profitability.

Company size
201-500
Company stage
N/A
Total funding
$301.4M
Headquarters
Eatontown, NJ
Founded
2011

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