Senior Product Manager, Platform Operations [Indivi GO / Indivi PRO]

Capital on Tap

We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.  1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!  WHY JOIN US? We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment. 🏢 This is a Hybrid role, based from our London (Moorgate) office 3 days per week. ABOUT THE ROLE The Platform Engineering department has grown significantly- six workstreams, soon to be eight, comprising 30 software engineers. Yet until now, it has operated without a single dedicated Product Manager. That changes with this hire. This is a rare greenfield opportunity to build product thinking into a department that underpins everything Capital on Tap ships. You will be the first PM embedded in Platform Engineering, working across our Cloud & Platform Operations and Developer Experience groups to introduce the product rigour, feedback loops, and iterative practices that will transform the department from a cost centre into a recognised driver of engineering velocity. You will work closely with the Head of Platform Engineering, Engineering Managers, and Lead Engineers across the department. WHAT YOU'LL BE DOING * Own the Platform roadmap: Work with engineering leadership to build and communicate a coherent, prioritised roadmap across Platform Engineering groups, replacing fragmented team-by-team planning with a unified, customer-informed direction.   * Drive system reliability: Audit incident history, establish baseline reliability metrics (MTTD, MTTR, MTBF), and work with the Engineering Manager to introduce SLOs and error budgets.   * Build feedback loops: Establish structured, repeatable mechanisms for collecting qualitative and quantitative feedback from Platform Engineering's internal customers (Product Engineering teams).   * Introduce iterative delivery: Break down long-running projects into iterative milestones. Challenge perfectionism where it delays value.   * Measure and communicate ROI: Define and own a framework for measuring Platform ROI (developer hours saved, infrastructure savings, self-service adoption).   * Champion self-service: Identify opportunities to build golden paths and self-service tooling, reducing manual toil, improving developer experience, and freeing engineering capacity for high-value work.   * Be the translation layer: Act as the bridge between Platform Engineering and the wider business, making the department's priorities and progress visible, and articulating why they matter.   WE'RE LOOKING FOR * Proven product management experience: ideally with exposure to platform, infrastructure, or developer tooling environments.   * Strong commercial instinct: you understand how platform decisions connect to business outcomes.   * A user-first mindset: applied to internal customers; you understand that software engineers are users too.   * Experience introducing product practices: into teams or departments where they didn't previously exist.   * Data-driven prioritisation: you can define success metrics and interpret reliability data.   * Collaborative communication style: Effectively align engineering leaders and product peers. Demonstrate a proven ability to manage complex, cross-team deliverables for system upgrades, including planning, aligning stakeholders. * Familiarity with agile delivery practices and iterative project management.   Bonus points for experience with metrics: (DORA, DX Core 4, SPACE), incident management frameworks, developer experience (DevEx) tooling, or cloud infrastructure concepts. INTERVIEW PROCESS 🤝 First stage: 30-minute intro call with Talent Partner (video call) 🤝 Second stage: 60-minute interview with Senior Product Manager and SRE & Platform Engineering Manager (video call) 🤝 Final stage: 90-minute in-person interview in our London office    Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)

Flo Health

500M+ downloads. 80M+ monthly users. A decade of building – and we’re still accelerating. Flo is the world’s #1 health & fitness app worldwide on a mission to build a better future for female health. Backed by a $200M investment led by General Atlantic, we became the first product of our kind to reach a $1B valuation in 2024 – and we’re not slowing down. With 7M paid subscribers and the highest-rated experience in the App Store’s health category, we’ve spent 10 years earning trust at scale. Now, we’re building the next generation of digital health – AI-powered, privacy-first, clinically backed – to help our users know their body better. The job We're looking for a Senior Product Manager (Payments) to own the strategy and execution of Flo's payments and subscription platform across Web, iOS, and Android. This is a high-impact, high-visibility role at the intersection of monetisation, platform, and operations, working closely with the VP of Product (Revenue) to shape the payment foundation that will support Flo's next stage of global growth. You will work across Product, Engineering, Data, Finance, Legal/Compliance, Support, and commercial stakeholders to build payment experiences and platform capabilities that are reliable, scalable, compliant, and growth-oriented. Payments are a core part of Flo’s growth engine and a critical platform capability for the business. As we continue to scale globally, we need strong product leadership in this area to ensure our payment stack, subscription systems, and monetisation mechanics are robust, efficient, and ready for the next stage of growth. As Senior Product Manager, Payments Platform, you will play a central role in shaping that foundation. Your Experience Must have: * Significant product management experience, with strong exposure to payments, billing, subscriptions, or financial platform products * Deep understanding of online payment systems and subscription mechanics, ideally in a B2C subscription or consumer app environment * Experience with mobile subscription ecosystems, including Apple and Google billing environments * Experience with web payment providers and billing platforms such as Stripe, Adyen, Braintree, RevenueCat, or similar * Experience managing fraud and dispute processes, including chargeback mitigation and refund strategy * Strong grasp of key payments concepts such as: * Payment flows * SCA / 3DS * Tokenisation * Issuer declines * Retries and dunning * Refunds and disputes * Reconciliation * Subscription lifecycle and entitlement logic * Working knowledge of indirect tax compliance (VAT/GST) and how it intersects with subscription billing and multi-market operations * Experience working closely with engineers on platform or infrastructure-heavy product areas * Proven track record of delivering complex cross-functional initiatives in fast-paced environments * Strong analytical skills and ability to use data to diagnose performance issues, evaluate trade-offs, and drive decisions * Excellent stakeholder management, with the ability to work effectively across Product, Engineering, Data, Finance, Legal/Compliance, and Support * Ability to balance strategic thinking with hands-on execution and operational detail Nice to have: * Experience building in-house billing capabilities or implementing payment orchestration layers * Familiarity with tax determination platforms such as Avalara, TaxJar, or Vertex * Experience defining payment flows for external partner programmes (e.g. sponsored access, partner perks, third-party app stores) * Exposure to payment automation and AI applications in payments contexts (e.g. intelligent retry logic, decline prediction, dispute automation What you'll be doing You'll be responsible for: * Own the product roadmap for Flo’s payments and billing platform across Web, iOS, and Android * Define and improve the end-to-end subscription and billing journey, including: * Purchase and checkout flows * Entitlement and receipt validation * Renewals, retries, grace periods, cancellations, and refunds * Payment failure recovery and dunning * Partner with Engineering and Data to improve the performance and resilience of our payment stack, including: * Acceptance rate optimisation * Issuer decline analysis * SCA / 3DS flows * Tokenisation and retry logic * Payment method coverage and routing * Build the product capabilities, internal tooling, and automations required to support scalable and audit-friendly payment operations * Work closely with Finance and Operations teams to improve reconciliation, reporting accuracy, and process efficiency * Own the tax compliance product surface, working with Finance and Legal to ensure correct tax determination, indirect tax handling (VAT/GST), and compliance with marketplace facilitator obligations across our key markets * Identify and drive monetisation opportunities linked to the payments experience, such as checkout optimisation, refunds strategy, pricing mechanics, promos, and payment method expansion * Lead fraud and dispute management strategy, including chargeback reduction, fraud detection tooling, and refund policy optimisation * Establish clear frameworks for experimentation and decision-making, including A/B testing, KPI definitions, and performance dashboards * Align stakeholders across multiple teams and functions, balancing growth, reliability, compliance, and user experience * Act as the subject matter expert for payments and subscription platform topics within the product organisation #LI-Hybrid #LI-AJ1 Annual Salary Range (ranges may vary based on skills and experience) £92,000—£115,000 GBP How we work We’re a mission-led, product-driven team. We move fast, stay focused and take ownership – from brief to build to impact. Debate is encouraged. Decisions are shared. We care about craft, ship with purpose, and always raise the bar. You’ll be working with people who take their work seriously, not themselves. It takes commitment, resilience, and the drive to keep going when things get tough. Because better health outcomes are worth it.  What you'll get We support impact with meaningful reward. Here’s what that looks like: * Competitive salary and annual reviews * Opportunity to participate in Flo’s performance incentive scheme * Paid holiday, sick leave, and female health leave * Enhanced parental leave and pay for maternity, paternity, same-sex and adoptive parents * Accelerated professional growth through world-changing work and learning support * In-person collaboration and work in a hybrid model, with 3 days per week spent in the office * 5-week fully paid sabbatical at 5-year Floversary * Flo Premium for friends & family, plus more health, pension and wellbeing perks Diversity, equity and inclusion Our strength is in our differences. At Flo, hiring is based on merit, skill and what you bring to the role – nothing else. We’re proud to be an equal opportunity employer, and we welcome applicants from all backgrounds, communities and identities. Read our privacy notice for job applicants.

Flo Health

500M+ downloads. 80M+ monthly users. A decade of building – and we’re still accelerating. Flo is the world’s #1 health & fitness app worldwide on a mission to build a better future for female health. Backed by a $200M investment led by General Atlantic, we became the first product of our kind to reach a $1B valuation in 2024 – and we’re not slowing down. With 7M paid subscribers and the highest-rated experience in the App Store’s health category, we’ve spent 10 years earning trust at scale. Now, we’re building the next generation of digital health – AI-powered, privacy-first, clinically backed – to help our users know their body better. The job We're looking for a Senior Product Manager (Payments) to own the strategy and execution of Flo's payments and subscription platform across Web, iOS, and Android. This is a high-impact, high-visibility role at the intersection of monetisation, platform, and operations, working closely with the VP of Product (Revenue) to shape the payment foundation that will support Flo's next stage of global growth. You will work across Product, Engineering, Data, Finance, Legal/Compliance, Support, and commercial stakeholders to build payment experiences and platform capabilities that are reliable, scalable, compliant, and growth-oriented. Payments are a core part of Flo’s growth engine and a critical platform capability for the business. As we continue to scale globally, we need strong product leadership in this area to ensure our payment stack, subscription systems, and monetisation mechanics are robust, efficient, and ready for the next stage of growth. As Senior Product Manager, Payments Platform, you will play a central role in shaping that foundation. Your Experience Must have: * Significant product management experience, with strong exposure to payments, billing, subscriptions, or financial platform products * Deep understanding of online payment systems and subscription mechanics, ideally in a B2C subscription or consumer app environment * Experience with mobile subscription ecosystems, including Apple and Google billing environments * Experience with web payment providers and billing platforms such as Stripe, Adyen, Braintree, RevenueCat, or similar * Experience managing fraud and dispute processes, including chargeback mitigation and refund strategy * Strong grasp of key payments concepts such as: * Payment flows * SCA / 3DS * Tokenisation * Issuer declines * Retries and dunning * Refunds and disputes * Reconciliation * Subscription lifecycle and entitlement logic * Working knowledge of indirect tax compliance (VAT/GST) and how it intersects with subscription billing and multi-market operations * Experience working closely with engineers on platform or infrastructure-heavy product areas * Proven track record of delivering complex cross-functional initiatives in fast-paced environments * Strong analytical skills and ability to use data to diagnose performance issues, evaluate trade-offs, and drive decisions * Excellent stakeholder management, with the ability to work effectively across Product, Engineering, Data, Finance, Legal/Compliance, and Support * Ability to balance strategic thinking with hands-on execution and operational detail Nice to have: * Experience building in-house billing capabilities or implementing payment orchestration layers * Familiarity with tax determination platforms such as Avalara, TaxJar, or Vertex * Experience defining payment flows for external partner programmes (e.g. sponsored access, partner perks, third-party app stores) * Exposure to payment automation and AI applications in payments contexts (e.g. intelligent retry logic, decline prediction, dispute automation What you'll be doing You'll be responsible for: * Own the product roadmap for Flo’s payments and billing platform across Web, iOS, and Android * Define and improve the end-to-end subscription and billing journey, including: * Purchase and checkout flows * Entitlement and receipt validation * Renewals, retries, grace periods, cancellations, and refunds * Payment failure recovery and dunning * Partner with Engineering and Data to improve the performance and resilience of our payment stack, including: * Acceptance rate optimisation * Issuer decline analysis * SCA / 3DS flows * Tokenisation and retry logic * Payment method coverage and routing * Build the product capabilities, internal tooling, and automations required to support scalable and audit-friendly payment operations * Work closely with Finance and Operations teams to improve reconciliation, reporting accuracy, and process efficiency * Own the tax compliance product surface, working with Finance and Legal to ensure correct tax determination, indirect tax handling (VAT/GST), and compliance with marketplace facilitator obligations across our key markets * Identify and drive monetisation opportunities linked to the payments experience, such as checkout optimisation, refunds strategy, pricing mechanics, promos, and payment method expansion * Lead fraud and dispute management strategy, including chargeback reduction, fraud detection tooling, and refund policy optimisation * Establish clear frameworks for experimentation and decision-making, including A/B testing, KPI definitions, and performance dashboards * Align stakeholders across multiple teams and functions, balancing growth, reliability, compliance, and user experience * Act as the subject matter expert for payments and subscription platform topics within the product organisation #LI-Hybrid #LI-AJ1 Salary Range - gross per month (ranges may vary based on skills and experience) €7.300—€8.800 EUR How we work We’re a mission-led, product-driven team. We move fast, stay focused and take ownership – from brief to build to impact. Debate is encouraged. Decisions are shared. We care about craft, ship with purpose, and always raise the bar. You’ll be working with people who take their work seriously, not themselves. It takes commitment, resilience, and the drive to keep going when things get tough. Because better health outcomes are worth it.  What you'll get We support impact with meaningful reward. Here’s what that looks like: * Competitive salary and annual reviews * Opportunity to participate in Flo’s performance incentive scheme * Paid holiday, sick leave, and female health leave * Enhanced parental leave and pay for maternity, paternity, same-sex and adoptive parents * Accelerated professional growth through world-changing work and learning support * In-person collaboration and work in a hybrid model, with 3 days per week spent in the office * 5-week fully paid sabbatical at 5-year Floversary * Flo Premium for friends & family, plus more health, pension and wellbeing perks Diversity, equity and inclusion Our strength is in our differences. At Flo, hiring is based on merit, skill and what you bring to the role – nothing else. We’re proud to be an equal opportunity employer, and we welcome applicants from all backgrounds, communities and identities. Read our privacy notice for job applicants.