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 Personal loans are the fastest-growing consumer credit product in the US - originations increased 26% last year alone to a record high. Americans are actively seeking cheaper, faster, more transparent alternatives to credit card debt and traditional bank loans. Having built a market-leading, profitable business in the UK, Lendable launched US Personal Loans in 2022. Four years of building credit models, customer journeys, operational infrastructure and nearly $500m in originations - and the foundation is set. What comes next is the exciting part: aggressive growth into the largest lending market in the world. We're hiring a Product Manager to own multiple product areas to support this expansion - defining strategy, shipping features, and driving outcomes end-to-end. WHAT YOU'LL BE DOING This isn't a "write tickets and attend standups" PM role. You'll own real problems such as: * Getting our proprietary credit models into production - working with data science to turn research into real lending decisions * Designing and personally building automations that make our operations team dramatically more efficient * Using data to ideate the most valuable initiatives that could improve credit quality, reduce losses, help the customer, or grow volume * Figuring out how best to use LLMs to intelligently aid with customer service, servicing, collections * A/B testing customer journeys from application through to servicing - finding what actually moves conversion, satisfaction, and repayment * Improving the post-origination experience - payments, customer support, and everything that happens after a loan is funded * Leading the team, aligning and motivating everyone around you, continuously improving the tools and processes we use to deliver at speed YOUR TEAM You'll report to the Head of Product and collaborate closely with the Managing Director of US Loans. You'll join three other PMs and work most closely with: * ~14 engineers (mostly backend), split across London and Europe * A data science team (2–3 people) building credit and pricing models * A credit risk team (~4 people) - some of your closest collaborators * A growth team (1-2 people) focused on acquisition * Operations agents - you'll build the tools that make their work better The team spans our London office, European remote engineers, and our Arlington, Virginia office near DC. AI AT LENDABLE - WE'RE SERIOUS We want to build the most AI-forward financial services company in the world. Our PMs don't just manage products. They use AI to push the boundaries of what one person can achieve. Today, PMs at Lendable write python and SQL to generate analytical insights that used to need teams of analysts. They commit PRs to production for straightforward features. They build their own agent workflows to automate repetitive work. The PM role here is genuinely expanding in all directions, and we expect you to be excited about this. You've been tinkering already - side projects, personal agents, AI-assisted analysis, building tools with Claude Code or similar. You don't wait to be told what AI can do; you've been finding out yourself. If you want to work somewhere that treats AI as a force multiplier for ambitious people - not a bullet point on a slide deck - this is it. WHAT WE'RE LOOKING FOR * 3+ years in Product, Strategy, or Analytics; at least 1 in a PM role * 1+ years in fintech, financial services, or a strong grasp of lending and credit * You’re a highly curious, systems thinker who connects dots and thinks through end-to-end impact * You've built with AI - agents, workflows, code generation, analysis. Show us what. * Track record of shipping products that moved real business metrics * Very comfortable with data, analysis and SQL - you know what questions to ask, and you answer them yourself * Bonus: high-growth startup or scale-up experience Don’t worry if you don’t quite meet all of these criteria, we’d love to have a chat with any great candidates! YOUR OBJECTIVES * You break complex problems into shippable pieces * You decide under ambiguity and own the outcome * You communicate crisply - to the MD, to engineers, in a spec * You build cross-functional relationships and pull the right people together * You move fast, default to action, and course-correct when needed COMPENSATION * Strong base salary benchmarked to market, scaled to your experience and level * Equity vesting over four years. Lendable has been profitable since 2017 - one of very few fintechs globally that can say that - and is building towards what comes next. INTERVIEW PROCESS We respect your time and move quickly: 1. Intro call (remote) - 30 min with our talent team (~Week 1) 2. Product chat (remote) - 45 min with the Head of Product to discuss your background and how you think about product (~Week 2) 3. Take-home exercise (remote) - a practical product challenge in your own time, followed by a video debrief (~Week 2-3) 4. Final round - typically CPO, US Loans MD, and Engineering Manager, Head of Product (~Week 3) 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!

Apron

ABOUT APRON Apron is building something game-changing. Founded in 2021, Apron set out to help SMBs win. Small businesses are the backbone of the economy, yet the systems they rely on (particularly around payments) are slow, manual and not built for them. The biggest threat to small business is cash flow, often stemming from a gap between the demand payments put on owners and the aptitude to make the payments effectively. Apron changes that. We are closing the gap by digitising and simplifying the payments process: capturing invoices, issuing expense cards, paying and getting paid, all in one place. We have grown fast over the past few years, expanding our team to circa 100 individuals across the UK, Germany, Spain and more. We are backed by Index Ventures, Bessemer Venture Partners, Zinal Grow and Tony Fadell and we’ve raised $50m. The ambition from here is not incremental growth. Apron is building a category-defining, global fintech business with a clear path to significant revenue scale and international expansion. The next phase requires not just great products and ambition, but a world-class Product team. THE ROLE Apron help businesses capture and reconcile invoices, pay suppliers, run payroll and manage employee spend in one place. As a product-led company, our PM's bring building, selling, and operating the product together. It'll be up to you to pull together everything required to ship and run a product customers love. This role will work on our product Capture, and is for someone early in their product career. If you're excited to have a lot of ownership while remaining in the details day to day, this could be a great fit. WHAT YOU'LL DO * Build a sharp, first-hand understanding of our customers and market through interviews, competitive research, and data, and use it to drive the team to the right calls * Get engineers and designers as close to customer needs as you are, so they can make great product calls * Own how new features show up for customers, from positioning to launch copy * Work across ops and support domains to make sure the product succeeds in customers' hands WHAT YOU'LL NEED * 3-5 years of total working experience, of which 0-2 could be in product. * We're also open to consulting, engineering, operations, design or customer-facing backgrounds. * This role is ideal for someone looking to transition to product or accelerate their product career. * Deep curiosity about the world of small business owners and how payments actually work * Strong bias to action and ownership * Hands-on experience with varied data sets WHAT WE CARE ABOUT: * Customer obsession. Talking to customers first-hand, not understanding them via summaries. * Ownership across domains, not handoffs. PMs make calls on commercial, ops, and risk, not just product. * Fast cadence. Decisions in days, not quarters. * Building. We believe outcomes ship from the people who own them. WHAT WE OFFER 💷 Highly competitive salary + meaningful stock options 📈 Pension plan with Nest 🏥 Health insurance (including Optical and Dental cover), Life Assurance 🚼 Enhanced parental leave 🥗 Weekly Deliveroo allowance 🌴 29 days of holidays (on top of Bank holidays) ☕ Flexible working hours 📍 Hybrid work 3 days a week in our London (Liverpool Street) offices. 🚲 Cycle to Work scheme, Electric vehicle scheme