Product Manager (London)

Product Manager

Bondsmith

ABOUT US Bondsmith is a fast growing digital cash savings platform focused on helping customers make the most of their money by offering access to a wide range of savings products. We work with financial institutions like wealth managers, fintechs, banks, and advisors, providing them with tools to get better returns on cash, engage more effectively with clients, and simplify their operations. Our goal is to help savers get the most out of their cash. At Bondsmith, our core values are rapid and continuous improvement, delivering good customer outcomes, and taking end to end ownership. Our team is made up of experienced professionals who are passionate about delivering excellent service and finding new ways to solve challenges in financial services. Joining us means working in a fast-paced environment where you will be making an impact on the financial lives of thousands of savers. We’re regulated by the Financial Conduct Authority in the UK.   Job Title: Product Manager Location: London, N1  Reports To: Head of Product Contract: Full-time, Permanent Role Summary: We are seeking a highly motivated and detail-oriented Product Manager to join our Product team.  What you'll do * Work across Product, Engineering, Compliance, and Business Development to define and ship product features that matter * Turn ambiguous business problems into clear, sprint-ready requirements — user stories, acceptance criteria, edge cases and all * Own UAT, catching issues before they reach customers * Manage relationships with enterprise clients — acting as a trusted, responsive point of contact who can navigate complex organisations and keep delivery on track * Keep internal stakeholders aligned and informed without over-engineering the process * Use data and customer insight to make decisions and measure what's working What we're looking for * You have 3–5 years of product management experience, ideally within B2B fintech, financial services, or regulated platforms * You’ve worked in Agile environments and know how to write requirements that developers can actually use * You’re comfortable with both API and file-based integration patterns — you understand REST API design and consumption, and you’ve worked with batch file processes (SFTP, CSV) of the kind that large financial institutions depend on * You think about UX at every layer, not just the interface — from how an API response is structured to how an end user moves through a flow * You're customer-obsessed — you dig into the why behind requests, not just the what * You're comfortable making decisions with incomplete information and iterating from there * You take ownership end-to-end. If something falls through the cracks, you notice and fix it * You can hold a lot in your head — understanding how features interact with systems, compliance constraints, and partner needs simultaneously * You communicate with precision and adapt your style to the audience — whether that’s a technical lead, a compliance team, or a C-suite contact at a large institution * You’re highly organised — you track open threads, manage multiple workstreams simultaneously, and nothing falls through the cracks on your watch * You have experience managing enterprise or institutional clients — you understand how large organisations make decisions and know how to build trust while keeping delivery moving The reality of the role This is a high-ownership position at a scaling startup that serves large, complex institutions. You’ll need to move fast and ship with confidence while managing the expectations and processes that come with enterprise clients. There will be ambiguity, competing priorities, and problems without obvious answers. If that’s where you do your best work, we’d love to hear from you. Why Join Bondsmith? * Bondsmith is a fintech success story in the making. We’re a small, focused team delivering real value to major enterprise clients, and the demand for what we’re building continues to grow. As an early joiner, you’ll have the rare opportunity to make a meaningful impact, shape the future of our products, and grow alongside the company. If you're excited by high-growth environments and want your work to matter, Bondsmith is the place to be. Company Benefits * Competitive salary 💸 * Hybrid working (average of 3 days a week expected in office) * Healthcare 🏥 * Pension scheme 💰 * Share scheme participation 📈 * All the right equipment to make sure you’re working at your best 💻 * Deliveroo for working late in the office 🍔

Forward Deployed Engineer

Ophelos

OUR MISSION At Ophelos, we believe in a different way to deal with debt. One that puts empathy and understanding front and centre, approaching our customers as individuals — no matter what they’re going through. For too long, people in debt have borne the brunt of poor industry practices. Intimidating tactics, time-consuming customer service and a one-size-fits-all approach that overlooks the reasons anyone can fall into debt in the first place. Meanwhile, businesses suffer too. Poor customer experience translates to poor customer satisfaction, high churn rates, bad brand reputation and ultimately missed opportunities. That’s why we’re taking a radically different approach. Pioneering an industry-first AI-native collections platform, we build products that help individuals clear their debts in a way that suits them, whilst providing businesses with an improved customer experience and game-changing insights into their customer base. Since our launch in 2021, we’ve worked with some of the UK’s leading companies, including Octopus, Scottish Power and Philips — helping millions of people move toward a more stable, debt-free future. In 2023, we were acquired by Intrum, Europe’s biggest credit management service and have begun the next phase in our growth — expansion into 17 European markets over the next two years. FORWARD DEPLOYED ENGINEER London-based with European travel (UK, France, Portugal and beyond) ABOUT THE ROLE Ophelos is at a pivotal moment. We've built a market-leading, AI-first debt resolution platform — and now we're deploying it at scale across Intrum's European business. As our Forward Deployed Engineer, you'll lead that effort. Intrum, our parent company and one of Europe's largest credit management businesses, manages debt on behalf of a wide range of merchant clients — retailers, telcos, financial institutions, and more — across multiple European markets. Your job is to onboard those clients onto the Ophelos platform: understanding their data, their business logic, their customer portfolios, and their contractual and regulatory context, and making sure Ophelos works correctly for each of them. Every client is different. They come with different data formats and quality standards, different definitions of what a debt case looks like, different regulatory obligations depending on their sector and market, and different expectations of how their customers should be treated. Your job is to absorb all of that, map it clearly, and translate it into a solution that works — at scale, across many clients, across multiple countries. This role sits at the intersection of solution architecture, technical consulting, and product partnership. You'll spend as much time in discovery conversations and design workshops as you will in configuration files and integration specs. You'll need to be equally credible with a compliance lead in Paris, a data engineer in Lisbon, and a product manager in London. WHAT YOU'LL DO Onboard merchant clients onto Ophelos Each client Intrum brings to Ophelos has its own data structures, business rules, and portfolio characteristics. You'll lead the technical onboarding — understanding their data, designing the ingestion and mapping layer, and ensuring Ophelos represents their cases accurately and operates correctly on their behalf. Navigate localisation and regulatory complexity Operating across European markets means dealing with materially different regulatory frameworks, debt collection norms, and consumer protection requirements — which vary by country, and sometimes by client sector. You'll develop deep fluency in what those differences mean technically, and design the configuration and solution patterns that allow Ophelos to serve each context correctly. Design solutions, not just integrations You'll translate complex, sometimes ambiguous client requirements into clean solution designs — mapping existing data structures, business logic, and operational processes to Ophelos's platform. This isn't just about getting data from A to B; it's about understanding the business intent behind every field and flow, and making sure nothing gets lost in translation. Own the data ingestion layer A significant part of this role involves designing and owning how each client's data arrives into Ophelos — in the right shape, with the right validation, from the right sources. You'll work across varying data formats, system conventions, and quality standards, and build patterns that make future onboarding progressively more efficient. Close the feedback loop You're Ophelos's eyes and ears in the field. When you encounter a recurring client need, a gap in our product, a bug that only surfaces in a specific market context, or a feature that would unlock onboarding for a whole segment of clients — you bring that back clearly and systematically. You'll log issues, articulate feature requests with context and business case, and act as a structured conduit between the real world and Ophelos's product and engineering teams. Build the onboarding playbook Document what you learn. Build reusable patterns, data mapping frameworks, and localisation guides that make each subsequent client onboarding faster and more predictable than the last. Use LLM tooling as a force multiplier Like all Ophelos engineers, you'll work in an AI-first way — using Claude Code, Codex, and OpenSpec to accelerate integration work, draft specs, and explore solutions faster than traditional approaches allow. THE OPHELOS PLATFORM You'll need to develop deep familiarity with our stack — not necessarily to build core features, but to understand its capabilities, constraints, and integration surface thoroughly: * Languages: TypeScript, Python, Ruby * Backend frameworks: FastAPI, Ruby on Rails * Data: PostgreSQL (via PlanetScale), Databricks * Workflow orchestration: Temporal * Financial ledger: TigerBeetle * Infrastructure: AWS, Kubernetes * Observability: Datadog * LLM tooling: Claude Code, OpenSpec, Codex ABOUT YOU You're a systems thinker with technical depth and strong commercial instincts. You've probably worked in fintech, financial services, or enterprise SaaS — in a role that required you to get inside a client's world, understand it thoroughly, and design solutions that actually fit. You might come from a solutions engineering, implementation consulting, or technical architecture background. What matters is that you're equally comfortable shaping a solution design and getting hands-on with the data or configuration to make it real. You're energised by variety — different clients, different markets, different problems — rather than unsettled by it. You'll likely have: * Experience in a solutions architect, forward-deployed engineer, technical consultant, or implementation lead role — ideally at a fintech, payments, or financial services company * Strong systems thinking: you naturally map business processes, data flows, and client-specific logic into coherent technical designs * Comfort with data — understanding schemas, transformation logic, validation rules, and ingestion pipelines at a practical level * Experience navigating regulatory or compliance requirements that vary across markets, sectors, or client types * The ability to communicate complex technical concepts clearly to non-technical stakeholders, and business context clearly to engineers * A structured approach to discovery: you ask good questions, document rigorously, and turn ambiguity into clarity * Willingness to travel regularly across Europe (primarily UK, France, and Portugal, with further markets to follow) Bonus points for: * Background in debt management, credit, collections, or payments — understanding the domain accelerates everything * Working knowledge of French * Experience onboarding multiple enterprise clients with divergent data models or business logic onto a shared platform * A track record of feeding structured product feedback from deployments back into a product organisation WHY THIS ROLE This is a rare opportunity to operate at the centre of a major European expansion — with real complexity, real stakes, and direct influence over how a genuinely impactful product gets adopted across a continent. You'll develop a breadth of domain knowledge, technical context, and stakeholder experience that's hard to find anywhere else. And you'll be helping Ophelos do what it exists to do: support households and businesses in breaking the cycle of problem debt. WORKING ARRANGEMENTS Based in London, with regular travel across Europe — primarily UK, France, and Portugal, with other markets to follow as the rollout expands. Ophelos operates on a hybrid model with three days per week in our office near Liverpool Street; during active client onboardings, on-site presence will be required. Ophelos is an equal opportunities employer. We are committed to building a diverse and inclusive team.   ABOUT OUR TEAM Ophelos launched in June of 2021, backed by investors such as AlbionVC, Connect Ventures and Fly Ventures. In 2023, we were acquired by Intrum, Europe’s biggest credit management service. Our growing team has team helped build some of the world’s most successful businesses, including the likes of Monzo, Google, Oracle, ASAPP, IBM and more — in addition to pioneering innovative products, sitting at the intersection of enterprise, financial technology, artificial intelligence and academia, working with institutions such as Oxford University, the University of Amsterdam and the University of Hong Kong. OUR VALUES Supporting customers and businesses to improve their financial health is a long-term mission. Our company values act as our north star, steering our every move as an organisation and are the backbone of our unique company culture. Our values and culture allow us to stay true to our larger purpose, even as we continue to grow at a rapid pace. Customers and Clients first – We exist to help real people move through debt and to get clients paid back. This commitment drives how we design products, deliver services, and interact with customers and clients daily. Dream big – We have ambition and drive to succeed - we’re not just raising the bar, we’re confidently asserting ourselves as the benchmark. Get it done – We’re decisive and embrace a sense of urgency; we don’t let opportunities get away from us. We’d rather act quickly and take informed risks, iterating and learning as we go.  Win as one - We work as one team, supporting each other and aiming for shared goals. At Ophelos, the team isn’t just individual departments - it’s all of us together.  We challenge and support each other because we care about everyone’s growth and success.  Ophelos is committed to creating a diverse work environment and is proud to be an equal opportunity workplace, providing equal employment and advancement opportunities to all team members. We are building an environment where every Ophelos team member can thrive, feel a sense of belonging, and do the best work of their careers. We value diversity and recruit, hire, and promote individuals solely based on talent, qualifications, competence, and merit. We evaluate candidates without regard to race, colour, religion, age, sex, sexual orientation, gender identity, national origin, disability, or other protected characteristics as required by law and as a matter of our company values. GDPR NOTICE  When you apply to a job on this site, the personal data contained in your application will be collected by Ophelos ("Controller"), located at 1 Finsbury Ave, London EC2M 2PF, and can be contacted by emailing support@ophelos.com. Controller's data protection contact is Kofi Barnes, who can be contacted at support@ophelos.com. This notice explains how we process your personal data throughout our recruitment process, including at the interview stage described below. Applying for a role with Ophelos is subject to the practices described in this notice — it is not a separate agreement you sign, but a description of how the recruitment process works. You won't be given a separate notice at each stage; Ophelos retains discretion over which of the described tools and processes are applied to any given application or interview, within the purposes set out below. This discretion does not extend to introducing automated decision-making without human review — that is addressed separately below. What we use your data for Your personal data will be processed for the purposes of managing Controller's recruitment-related activities, which include reviewing applications, setting up and conducting interviews and tests, evaluating and assessing the results, and as is otherwise needed in the recruitment and hiring process. As part of this process, we use software tools — including AI-assisted tools — to help us organise, screen, and evaluate applications and interviews. This includes: * Automated analysis of CVs and application materials to identify relevant skills and experience * Automated analysis of interview transcripts to help summarise and score responses (see "Interviews" below) * Generating scores, summaries, or insights to assist our recruiters Currently, these AI-assisted outputs are advisory only. A human recruiter reviews every application and every AI-generated score or summary before any decision is made, and no application is filtered out or rejected by an automated process alone. We may in future use automated tools to make, or take part in making, decisions about your application without human review at that stage, if we do so in a way that complies with applicable law at the time — for example, by obtaining your explicit consent, or where the decision is necessary for entering into a contract with you, and in either case only with appropriate safeguards, including your ability to request human review of, and to contest, that decision. If we intend to introduce this, we will update this notice and separately inform you before it applies to your application — this notice alone does not authorise it. We also use historical, aggregated recruitment data to improve our processes generally — for example, to better understand which factors tend to be associated with successful hires. Where this involves data from past applicants, it is anonymised or aggregated before use, and is not used to make any decision about a specific individual. Such processing is legally permissible under Art. 6(1)(f) UK/EU GDPR as necessary for the legitimate interests pursued by the Controller: the solicitation, evaluation, and selection of applicants for employment, and the improvement of Controller's recruitment processes. Interviews — recording and transcription If you're invited to an interview conducted by video or phone call, it will be recorded and automatically transcribed as a standard part of our recruitment process — this is described in this notice, which applies to your application as explained above. Where an interview is recorded: * The interview will be recorded and transcribed using our video-calling provider (Google Meet). * The transcript will be processed by AI tools (including models provided by Anthropic and Google) to help generate a summary and structured notes for the interview panel, and to help train and improve our own recruitment tools as described above. * The recording, transcript, and any AI-generated summary will be stored on Ophelos's systems (hosted via Cloudflare) and in Greenhouse. * A human interviewer/panel always reviews the AI-generated summary as part of forming their own assessment — it is a starting point for the panel, not a decision in itself. Recording and transcribing interviews in this way is necessary for us to evaluate all candidates fairly and consistently, and is carried out under our legitimate interests (Art. 6(1)(f) GDPR) in running a fair, well-documented recruitment process. Who we share your data with Your personal data will be shared with the following processors, engaged by Controller to help manage its recruitment and hiring process: * Greenhouse Software, Inc. — applicant tracking system (United States) * Google LLC — video interview hosting/recording (Google Meet), and AI models used to help analyse application and interview materials (United States) * Anthropic, PBC — AI models used to help analyse and summarise application and interview materials (United States) * Cloudflare, Inc. — infrastructure and data storage supporting our recruitment tools [confirm storage region before publishing] We use application and interview data, including through AI-assisted tools, to train and improve our own internal recruitment tools and models — for example, to refine how we identify relevant skills and experience, and to better understand what tends to be associated with successful hires. This is part of how we evaluate and improve our recruitment process on an ongoing basis. The third-party AI providers who process this data on our behalf do not use it to train their own general-purpose AI models — it is used only to generate the specific outputs described in this notice. International data transfers Because the above providers are located in or transfer data to the United States, if you are located outside the United States, your personal data will be transferred to the United States once you submit it or once your interview is processed. Where the European Commission has not made an adequacy determination covering such a transfer, it is subject to appropriate safeguards, including Standard Contractual Clauses and/or the EU-U.S. Data Privacy Framework where the recipient is certified. You can obtain a copy of the relevant safeguards by contacting support@ophelos.com. How long we keep your data Your personal data, including any interview recordings, transcripts, and AI-generated summaries, will be retained for the duration of the recruitment process and for 24 months afterwards, to allow us to consider you for other roles and manage any related legal claims, after which it will be deleted or anonymised. You can request earlier deletion at any time by contacting support@ophelos.com. Your rights Under the GDPR, you have the right to request access to your personal data, to request that it be rectified or erased, and to request that processing be restricted. You also have the right to data portability and the right to object to processing based on legitimate interests, including interview recording — though for the reasons explained above, we may not be able to progress an application where a candidate objects to standard recording of the interview stage. In addition, you may lodge a complaint with an EU or UK supervisory authority (in the UK, the Information Commissioner's Office).

Product Manager

Modulr

Location: London  Full-time   In office 4 days/week  Why This Role Payments might not sound glamorous, but the scale of what moves through Modulr's platform speaks for itself. The products you'll own are live, used daily by real businesses and the problems are technically challenging. You'll have real ownership, a short line to decisions and room to shape things. No endless approval chains and no building for the sake of it. Who We Are Modulr is the payments automation platform that streamlines money movement with accuracy, control and reliability – built to scale. We process more than 200m transactions and over £180bn in payment value on an annualised basis, and we're trusted by over 6,000 businesses from fast-growing SMEs to global enterprises. We automate how money moves into and out of a business – payroll, supplier payments, spend management and payment collection – through a single platform, connected to the accounting and payroll systems finance teams already use and underpinned by principal memberships of Visa and Mastercard and direct access to central bank infrastructure. As a regulated payments provider with over a decade of experience, we're the platform finance teams trust to run mission-critical operations. Modulr is backed by PayPal, FIS, General Atlantic, Blenheim Chalcot, Frog Capital and Highland Europe, with over 400 employees across London, Edinburgh, Amsterdam and Mumbai. Find out more about us on our website and careers site.  What You'll Do This is a product role with real ownership. You will sit within Modulr's vertical solutions team, building and scaling payment products for defined B2B market segments. The team works across a range of verticals, and you will own a product area end to end, working across APIs, dashboards, partner integrations, and payment flows. The verticals differ but the craft is the same: deep customer understanding, sharp product thinking, and focus on commercial outcome. Own your product area - end-to-end ownership from discovery through to launch and performance management. You will write ROI-driven roadmaps, operate as Product Owner in your squad, and drive delivery across APIs, dashboards, portals, reports, and partner integrations. Go deep with customers and partners - develop a thorough understanding of the payment processes and customer needs in your vertical. Use those insights to build solutions that improve efficiency, lower costs, and accelerate time to payment, and manage the partner relationships that sit alongside your product. Operate with commercial clarity - own your product area's performance against agreed metrics and KPIs. Understand your cost base, input into pricing strategy, and communicate your roadmap and its value clearly to the CPO and Product Director. Land things properly - work closely with sales, demand gen, and product marketing to drive effective launches and sustained traction. Make sure all cross-functional implications, across ops, risk, compliance, and data, are resolved before go-live. Who You Are * An experience product manager with a proven track record of delivering results by shipping valuable features and scaling commercial performance. * Strong grounding in SaaS or API-first product development for B2B customers, with hands-on experience across technical product design, API ecosystems, and UX. * Proven ability to work effectively across customer engagements (requirements gathering, user testing, product pitching), product development (design, working with engineering teams), and strategy. * Comfortable working in a regulated environment, balancing pace with operational, security, and compliance requirements. * Outstanding communication and stakeholder engagement skills across C-level customers, partners, and suppliers. * High autonomy, with the ability to combine meticulous attention to detail and deep analysis with comfort navigating ambiguity. * Experience using AI tools as part of your day-to-day workflow What We Offer You Share Options – We offer a Company Share Option Plan (CSOP), giving you the opportunity to benefit from any increase in share value in the event of a sale, merger, or flotation. Bonus – Our annual discretionary bonus, paid in May for the previous year, is based on both company and individual performance. Flexible benefits - £1000 to spend on benefits to suit you, including private medical insurance, gym membership, dental etc. Wellbeing app – confidential, on-demand access to therapy, coaching, counselling, management training or mindfulness sessions with accredited professionals, with company-funded hours and top-up options available. Holidays - 33 days annual leave (including bank holidays) plus your birthday off. In the UK, Christmas Day, Boxing Day, and New Year’s Day are fixed holidays. You can choose the remaining days to suit your personal schedule. Learning opportunities - Our two-day onboarding program, ModStart, helps equip you for success. Learning doesn’t stop there; we’ll continue to support your development through various channels. Company-Wide Events - Participate in collaborative and engaging events with colleagues across the business. Bike to work / E-bike scheme ModInclusion At Modulr, we’re committed to building a diverse, equitable and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of all backgrounds as we believe it’s the right thing for our people, our business, and the community we operate in. By submitting your CV, you consent to us using your personal data to assess your application, contact you, or share your CV with relevant hiring managers. You can request removal of your data at any time by emailing peopleops@modulrfinance.com - though this will withdraw you from consideration for the role.