
Ophelos · London
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...
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.
Are you ready to take the next step in your career journey but can't see the right role for you?
While we don't have relevant open roles now we are always on the lookout for talented Engineers to join our team in the future!
Whether you're an experienced professional or a rising star in your field, we believe that great talent fuels innovation and
success.
Please submit your details at the bottom of this page and we will be in touch if any suitable roles become available.
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.
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.
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
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.
structured notes for the interview panel, and to help train and improve our own recruitment tools as described above.
Greenhouse.
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
materials (United States)
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).
Airbnb was born in 2007 when two hosts welcomed three guests to their San Francisco home, and has since grown to over 5 million hosts who have welcomed over 2 billion guest arrivals in almost every country across the globe. Every day, hosts offer unique stays and experiences that make it possible for guests to connect with communities in a more authentic way. The Community You Will Join: Our Product Marketing team imagines the ideal experience for our community and works backwards, creating innovative products that delight our guests and hosts. They deeply understand the needs of our users and translate these into a product strategy that combines strong product thinking and deep research. They partner with talented cross-functional team members across engineering, design, operations, data science, and more, leading teams to execute a shared vision. They are incredibly detail-oriented, hands on and excellent communicators, capable of crafting compelling stories for both internal and external audiences. The Difference You Will Make: The International Product Marketing team is part of the worldwide Product Marketing team and we are looking for entrepreneurial product experts who are ready to jump in, roll their sleeves up and integrate with local teams, while maintaining close alignment with the global organization. This role will help build out the new functional area outside of the US and will be instrumental in shaping the organization as it evolves. The cross functional model we use at Airbnb requires close partnerships across multiple teams – this role requires a highly collaborative, flexible individual who can influence and collaborate with teams across the world. As the Product Manager based in our EMEA region, you will report to the Product Marketing Director for International Markets. You will play a pivotal role in understanding the needs, pain points, and wants of users and translate those insights into innovative product features, capabilities and marketing strategies. The ideal candidate will possess a deep understanding of the travel industry at a market and broader regional level, and have a proven track record of driving product innovation. You will collaborate with the global business and country teams to develop partnerships that accelerate existing and new businesses. You will drive features in major releases and for test and learn pilots, after having successfully championed for customization and features for your target country/region. You will also determine how they are communicated to the public and the media in your region in partnership with the communications and marketing teams. You are responsible for the success of Airbnb products throughout their life cycle — from concept to release. You will be the voice of our products for the market in your region and love the journey from taking a product from idea to reality. This role is based in London (or within easy commuting distance). A Typical Day: * Build deep expertise on Airbnb in your market/region through user research, marketplace data, and an understanding of the competitive landscape and be capable of synthesizing in a cohort product story input from multiple stakeholders and sources. * Work with other functional leaders in your market/region to articulate the product vision, strategy, and roadmap for Airbnb products and new businesses. * Implement best-in-class product development and management practices. * Maintain and articulate a product feature and roadmap prioritization plan in collaboration with local teams. * Advocate for and execute new products that deliver impact for our business and users. * Communicate concisely and influence outcomes across all levels of the company, including country and regional executive teams * Drive alignment across product teams (Technology, Design) and key cross-functional partners (Business, Supply, FP&A, Marketing, Global Operations, Customer Support, Trust, etc.) to ensure initiatives are prioritized for wider roll-out or piloted to test and learn * Define goals and success with clearly measurable objectives and key results for your area. * Build and seamlessly integrate partnerships in your country/region that expand existing businesses and build new ones. * Navigate regulatory and government requirements in partnership with Policy/Comms and regions/markets. * Craft the product narrative and marketing strategies that communicate the benefits and features of our products both internally and externally in collaboration with comms and other cross functional partners. * Develop and deliver engaging product demos to press, showcasing key features and functionalities. Your Expertise: * 8-12 years of product management experience. * Fluency in English and at least one other European language (strong preference for Spanish, French, or German) due to market needs. * Demonstrated track record of product leadership. * Comfortable with doing individual contributor product management work. * Success in building and scaling global consumer products and ecosystems that people love. * Experience creating product messaging and delivering to customers and the media. * Entrepreneurial track record of taking an idea to reality – start up experience a plus while capable of operating in a larger organization. * Ability to effectively use data and perform business analysis to support product strategy/decisions. * Capable of driving execution across teams in a fast-paced environment. * Highly collaborative and results oriented. * Ability to travel at least 25% of the time Our Commitment To Inclusion & Belonging: Airbnb is committed to working with the broadest talent pool possible. We believe diverse ideas foster innovation and engagement, and allow us to attract creatively-led people, and to develop the best products, services and solutions. All qualified individuals are encouraged to apply. How We'll Take Care of You: Our job titles may span more than one career level. The actual base pay is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range shown below is annualized, is subject to change and may be modified in the future. This role may also be eligible for bonus, equity, benefits, and Employee Travel Credits. United Kingdom Annual Pay Range £112,000—£140,000 GBP
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. TALENT POOL (DATA) Are you ready to take the next step in your career journey but can't see the right role for you? While we don't have relevant open roles now we are always on the lookout for talented Data professionals to join our team in the future! Whether you're an experienced professional or a rising star in your field, we believe that great talent fuels innovation and success. Please submit your details at the bottom of this page and we will be in touch if any suitable roles become available. 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).
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! 🏡🏢This is a Hybrid role, 3 days a week in the London office What You’ll Be Doing We’re growing our Product team and are seeking an Associate Product Manager with a track record of hard work, customer obsession and delivering great outcomes. * Delivering features and projects that drive customer and business impact * Collaborating with senior stakeholders across the company to align on commercial and operational objectives * Running a mission team of engineers with an eye on delivery and customer outcomes. * Excelling at delivery. Getting the project over the line. Motivating those nearby to make hard things seem easy * Help Capital on Tap achieve long term strategic dominance in SME industry We’re looking for This role is for someone who’s ready to shoulder individual responsibility for end to end development and delivery of features that align with business and customer needs. This person needs to be highly driven and self-motivated and will be rewarded by having a direct impact on customer outcomes and by collaborating with senior stakeholders across our business. We require someone with * 2+ years of experience in product management or project management * Strong commercial intuition, entrepreneurial spirit and foundational gut instinct * Strong organisational skills to thrive in chaos and remain calm among every day pressure of workload and delivery. * Strong communication skills to keep people aligned and mission teams humming along * Strong interpersonal skills to make hard work rewarding, sustainable and nourishing * The ability to synthesise large amounts of information and distil a problem down to its essence Interview Process 🤝 🤝First stage: 30 minute intro and values call with Talent Partner (Video call) 🤝Second stage: 45 minute CV overview with Senior PM in relevant area (ln person) 🤝Final stage: 45 minute interview with Head of Department (In person) Diversity & Inclusion 🌈 We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 28 days holiday (plus bank holidays) 📖 Annual Learning and Wellbeing Budget 👪 Enhanced Parental Leave 🚲 Cycle to Work Scheme 🚂 Season Ticket Loan 💬 6 free therapy sessions per year 🐶 Dog Friendly Offices 🍫 Free drinks and snacks in our offices Check out more of our benefits, values and mission here. 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.)