Senior Product Manager

Company Overview

The company is a fast-growing fintech business focused on helping people access credit and save money. It has rebuilt the core consumer finance products — loans, credit cards and car finance — from scratch, and has been profitable since 2017. It is one of the UK’s newer unicorns, with a team of just over 700 people, and is expanding into the US market alongside its established UK business.

About the Role

The company is looking for a curious, data-driven Senior Product Manager to join its US team. The role owns customer acquisition and growth for the US credit card product, contributing directly to the company’s long-term strategic trajectory. The hire will join as the team proves out the book and moves it into its next phase of growth, working within a small, fast-paced, data-driven team. The role suits someone analytical and iterative who solves problems from first principles.

Core Responsibilities

• Acquires customers efficiently across direct mail, paid, aggregator and affiliate channels, building new channels and optimising conversion funnels

• Shapes the mobile app experience to drive activation, spend and engagement

• Owns the end-to-end origination journey, from first touch through to an approved and activated account, including one-click and open-banking-enabled applications and new product offerings

• Builds new credit products such as cash back and rewards cards

• Owns key partner integrations, including network, affiliate marketplace channels, and transaction/payment processing vendors

• Improves underwriting and fraud prevention capabilities to increase approvals without compromising credit quality

• Owns channel economics — CAC, payback and unit economics by channel and cohort

• Uses AI tools to build, test and analyse faster than a team of that size could otherwise manage

Key Impact Areas

1. Product Vision & Roadmap — Owns the strategy and roadmap for the US card product, working across Credit, Growth, Design, Data Science and Compliance to reach and then exceed market parity for the target segment.

2. Hands-On Execution — Acts as a hands-on builder, writing and resolving tickets, prototyping, and owning implementation and design decisions directly, using AI tools as a force multiplier rather than waiting on engineering capacity.

3. Data-Backed Decision Making — Applies strong intuition and curiosity to data, using AI to handle assembly work so more time can go into decision-making, and champions experimentation throughout.

4. Outcome Focus — Sets clear, measurable goals, judges success by results rather than output, makes calls under ambiguity, and course-corrects when evidence requires it.

Candidate Experience Required

• 4+ years of Product Management experience

• 2+ years in consumer lending, ideally credit cards

• Experience at a startup or owning a high-growth product in a fast-paced environment

• Strong technical fluency across decision engines, APIs and data flows, with daily use of AI tools to prototype, analyse and ship

• Ability to combine data, customer understanding and market signals to drive prioritisation

• Strong numerical intuition across funnels, cohorts and P&Ls, with a habit of investigating anomalies (deep SQL expertise not required)

• Demonstrated ability to stay focused on broader objectives without getting lost in detail

Interview Process

1. Introductory call with a team member

2. Case interview with a member of the Product team, focused on growth and originations, using real numbers

3. Final round interviews with the CPO, Cards MD, and product/engineering team members

Benefits Overview

• Flexible working model (hybrid roles: three days in-office weekly; remote roles: regular in-person connection events)

• Private health cover and wellbeing support

• Retirement and savings plans

• Employee referral bonus programme

• Office meals/snacks at select locations

Note: benefit availability varies by location and role.