Senior Product Manager - UK Cards

Lendable

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting ABOUT THE ROLE We’re looking for a Product Manager to help shape and grow the UK Cards product. This is not a traditional PM role focused on roadmap management, stakeholder coordination or writing tickets. We are looking for someone who thinks like an owner and operates like a builder. You should be someone who naturally questions how things work, challenges assumptions and looks for practical ways to improve the product. You will work closely with engineering, operations, data, finance and commercial teams to identify problems, validate opportunities and drive execution across the Cards business. The role combines product thinking, experimentation, problem solving and AI tooling. If you are excited by fintech, lending and building products in a fast moving environment, this role offers significant ownership and impact. What you'll be doing This role will cover a broad range of work across the UK Cards product. 1. Driving product and growth initiatives You will identify opportunities to improve customer experience, engagement, conversion and business performance. Examples include: * Designing and running experiments across acquisition, onboarding, engagement and retention * Improving customer journeys, product features and servicing experiences * Using data and customer insights to prioritise product opportunities * Defining MVPs and validating ideas before committing engineering resources * Working closely with engineering teams to deliver high impact improvements 2. Building operational leverage and AI-enabled workflows We want someone who actively looks for smarter and more scalable ways to work. Examples include: * Improving internal tooling and operational workflows * Driving adoption of AI tools across the team (Claude, Cursor and other emerging tooling) * Supporting development of AI-powered customer support and servicing * Automating manual operational processes where possible * Helping teams make faster and better decisions through better workflows 3. Owning cross functional problem solving The role requires operating across product, operations, finance, capital markets and customer servicing. Examples include: * Identifying operational bottlenecks and driving improvements * Coordinating complex initiatives across multiple teams * Translating ambiguous business problems into impactful plans * Balancing customer outcomes with commercial and operational constraints A core part of the role is continuously challenging how things are done today and helping the organisation operate in simpler, faster and more effective ways. Who this role is for This role is designed for someone who wants significant ownership and enjoys solving hard problems in fast moving environments. Typical profile * 4+ years of experience in product, strategy, consulting, analytics or startup environments * Experience owning products or growth initiatives * Strong interest in fintech, lending and technology * Comfortable working across both strategy and execution * Curious about AI and how new tools can improve product development * Interested in building and scaling products with real business impact You should be someone who * Thinks from first principles rather than accepting how things currently work * Challenges assumptions and asks high quality questions * Enjoys solving ambiguous and messy problems * Uses data confidently to make decisions * Moves quickly and tests ideas pragmatically * Is highly ownership and execution focused * Can operate independently with broad direction * Communicates clearly across technical and non technical teams * Is comfortable switching between product, operational and commercial contexts Why this role is interesting You will get exposure to: * How consumer lending and credit cards work in practice * Building and scaling one of the UK’s most successful fintech products * Product-led growth and experimentation * AI tooling and automation inside a real product organisation * The operational and commercial side of running a fintech business * Cross functional decision making across product, finance, operations and risk You will work closely with senior members of the Cards team and have the opportunity to own meaningful, business critical initiatives with significant autonomy. LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!

Lendable

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting About the role We're looking for an experienced, analytical and customer-first Senior Product Manager to join our New Products team. You’ll work closely with the MD to incubate products from 0→1 and scale them to millions of users. In our flat structure with high ownership, you’ll shape Lendable’s next growth vectors while leading large, high-calibre engineering teams to build category-defining products. You’ll report to the VP of Product, but own your product lines end-to-end—driving strategy, execution, and cross-functional alignment. This role requires someone who thrives in highly technical environments and brings strong engineering leadership, operational excellence, and the ability to influence senior stakeholders. WHY JOIN OUR NEW PRODUCTS TEAM? * High ownership: Take full ownership of product lines from day one in our flat organisational structure * Exceptional teams: Lead and influence large groups of world-class engineers, designers, and data scientists * Massive impact: Your products will directly improve financial outcomes for millions of customers * Cutting-edge technology: Build with new data sources, machine learning, and AI to automate complex processes * Growth opportunity: Join during our expansion into the massive UK and US markets * Leadership exposure: Work closely with VP-level and C-suite stakeholders on our most strategic bets WHAT YOU'LL DO STRATEGISE: DEFINE THE FUTURE OF CONSUMER FINANCE * Partner with the VP of Product and the MD to develop long-term product strategies (5–10+ years out) * Translate complex market signals and consumer trends into clear product direction * Drive strategy conversations with senior leadership, owning the narrative behind new product investments * Explore how AI and automation can create defensible competitive advantages BUILD: LEAD 0→1 PRODUCT DEVELOPMENT * Take products from concept to validation, MVP, and early scale * Define scope, experimentation plans, and success metrics for each new product * Ensure financial models, pricing assumptions and scalability metrics are validated early * Build cross-functional alignment across engineering, design, finance, ops, and marketing OPERATE: DRIVE EXECUTION WITH DEEP ENGINEERING PARTNERSHIP * Lead large cross-functional engineering squads, ensuring alignment, clarity and high-velocity delivery * Run sprint planning, roadmap sessions, and stand-ups—optimising engineering output and resource allocation * Make daily product decisions that directly influence technical direction, architectural choices, and prioritisation * Go deep technically with engineers on implementation details, trade-offs, and system design * Conduct customer research, user testing, and SQL-based data analysis to generate insights * Anticipate operational, technical, and regulatory bottlenecks well in advance and orchestrate dependencies * Partner with Finance and Ops to design scalable operational models * Collaborate directly with marketing on value prop, positioning, and acquisition strategies * Continuously validate assumptions post-launch through experimentation and analytics COLLABORATE: DRIVE CROSS-FUNCTIONAL SUCCESS * Create alignment across engineering, design, data, operations, marketing, and leadership teams * Hold cross-functional partners accountable to delivery timelines and product outcomes * Lead end-to-end discovery sessions and ideation workshops with senior stakeholders * Communicate complex technical and strategic decisions with clarity to engineering and non-technical audiences WHAT WE'RE LOOKING FOR ESSENTIAL EXPERIENCE * 3+ years of product management experience; 5+ years in product, strategy, or analytics * Experience building complex regulated financial products (e.g. current accounts, debit cards, lending) is a strong bonus * Proven success taking new products from concept → launch → early scale * Experience leading large engineering teams or multi-squad delivery in high-growth or ambiguous environments * Expertise in experimentation, A/B testing, and data-driven development * Technical fluency: SQL proficiency required; bonus for coding familiarity CORE CAPABILITIES * Engineering leadership: Ability to influence and guide large technical teams, optimise velocity, and drive aligned execution * Risk-taking mindset: Comfortable making bold bets in ambiguous environments * Strategic thinking: Strong synthesis of customer insights, data, and commercial requirements * Operational excellence: Sharp prioritisation and ability to focus teams on high-impact work * Stakeholder management: Skilled at aligning diverse teams around ambitious product strategies * Leadership communication: Credible communicator with VP and C-suite, able to defend decisions and influence direction IDEAL BACKGROUND * Experience in fintech, consumer finance, or adjacent industries * Time spent in startups/scale-ups or flat organisational structures * Strong enthusiasm for emerging technologies and their applications in finance INTERVIEW PROCESS * Intro call with Talent Team * Take-home exercise (5 days) * Take-home debrief & case study with VP of Product * Final round: * MD interview | 45 minutes * Engineering interview (2 engineers) | 45 minutes * CPO | 30 minutes LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London (UK) | 💰£78,000 - £100,000 + Benefits | We're looking for an experienced Senior Product Marketing Manager to help shape the future of Borrowing at Monzo. Borrowing is one of Monzo's most important growth areas, spanning everything from helping customers understand and improve their credit health through to personal loans, overdrafts, credit cards such as Flex and homeownership products. As we expand internationally and build the next generation of borrowing experiences, you'll play a key role in defining how these products evolve, scale and succeed in the UK and new markets. This is a highly strategic role embedded within our Borrowing product squads. You'll work at the intersection of Product, Design, Research and Marketing to help define how we win, what we build, and how we communicate it to our customers. Product Marketing at Monzo is deliberately upstream. We have a dedicated Integrated Marketing team that leads campaign strategy and execution, allowing PMMs to focus on customer problems, market opportunities, product direction, and proposition development. What you’ll be doing: * Shaping products by bringing customer, market and competitive insight into product strategy, prioritisation and roadmap decisions. * Identifying and scoping market opportunities across the UK and new international markets, helping Monzo identify where to play and how to win, through customer, competitor and market analysis. * Leading product marketing for new products, features and market launches, from early concept through to launch. * Creating compelling propositions, positioning and messaging frameworks that turn product capabilities into clear customer value. * Championing the customer voice through research, insight and a deep understanding of customer needs, behaviours and motivations. * Partnering closely with downstream marketing teams to ensure launches land effectively and products are represented consistently across channels. * Working with legal, compliance and risk teams to ensure products and messaging meet regulatory requirements. You should apply if: * You've helped shape product strategy and influence what gets built, not just how it's marketed. * You've taken products, propositions or categories from concept through to launch, particularly in 0→1 environments. * You take a customer-first approach to everything you do and use customer, market and competitive insight to inform decisions. * You're comfortable forming a point of view, making recommendations and influencing stakeholders across Product, Design and Research. * You're excited by the ambition of what we're building at Monzo and the opportunity to create products that customers genuinely love. * You enjoy the challenge of taking products into new markets and understanding how customer needs differ across geographies. * You thrive in fast-moving, high-growth environments where priorities evolve and new opportunities emerge quickly. * Experience in direct-to-consumer product marketing, building global propositions, or borrowing is a plus. The Interview Process: Our interview process involves four main stages:  1. Recruiter Call via Phone Call (30 mins) 2. Initial Call via Google Meet (30 mins) 3. Case Study Review Call via Google Meet (45 mins) 4. x2 final interviews via Google Meet (x2 45-60mins) Our average process takes around 3-4 weeks but we will always work around your availability.  What’s in it for you: 💰Salary is £78,000 - £100,000 + incentive awards tied to your performance 📍This role will be based out of our London office next to Liverpool Street station in a hybrid approach of office based and home working ⏰We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here  #LI-JB1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊