Senior Product Manager (Cards UK)

About the role
We're looking for an experienced, smart and analytical person to be a Senior Product Manager for our credit card products. We launched our credit card in the UK in 2020 and in the US in 2024. We are now working on scaling our customer base exponentially. As a leader in the Product team, you will play a key role in helping us achieve our ambitious goals. The Zable credit card is a Mobile App-first product targeted at the credit builder customer segment in the UK and US. We give customers the power to build their credit rating over time while offering them a flexible line of credit that meets their spending needs sustainably. This role will cover all aspects of credit card product management, and you will be given the freedom to define new features and manage projects end to end, including:

1. Optimising how we acquire new customers for speed and efficiency
2. Improving our underwriting capabilities to support best-in-class credit decisions
3. Building tools which maximise efficiency for our Customer Service and Fraud teams
4. Finding new ways to support customers who may be experiencing financial difficulty
5. Shaping our mobile App experience to empower customers to manage their own finances

Across this breadth of responsibility, you will partner with our MD Engineering team to define and deliver our long-term product roadmap. You will ensure we are delivering the best outcomes for our customers while scaling our customer base sustainably.
You will lead on the credit card product roadmap, own day-to-day product delivery and work hand in hand with various departments to prioritise projects according to their maximum impact. It is your job to break down complex tasks into bite-sized deliverables. We have some of the best engineers in the industry and we need you to help us showcase their talent to the world.

What you'll be doing

1. Defining the product strategy, shipping features and bug fixing for our credit card
2. Analysing quantitative and qualitative data to inform both strategic investments and prioritisation of the product backlog
3. Testing, measuring and optimising the impact of new releases and experiments
4. Optimising engineering time for maximum impact
5. Ensuring our customers' needs are always at the heart of what we're building
6. Closely partnering with engineers to define what is the best way to implement a feature or answer a business query
7. Influencing the long-term strategy for our credit card alongside the wider Cards team (Credit Risk, Data Science, Operations, Engineering)

Your experience

1. 5+ years of experience in a Strategy, Analytics or Product role
2. 3+ years of experience in consumer lending, ideally credit cards
3. Leadership: as a product leader, you will drive the quarterly OKR process (together with the MD) and do what it takes to deliver on them. You're able to make tough decisions trade-offs - especially when faced with high ambiguity. You own these decisions but also course correct when needed.
4. Problem-solving; consistently breaking down complex business problems into bite-sized chunks. Complex tasks don't intimidate you and you are able to break down a complex problem into parts
5. Data-driven; you have experience with numerical analysis with some experience coding. We will teach you the tools (SQL, Python), but you need to feel comfortable with numbers and using data to drive real-world actions
6. Communication; you can communicate clearly and succinctly, orally and in writing; you enjoy a lively discussion. You effortlessly adjust your communication to suit your audience, from business owners to engineers. You don't have a massive ego and you are happy to change your mind when presented with a good argument
7. Collaboration; you feel comfortable establishing close relationships with key stakeholders across the wider company allowing you to quickly assemble cross-functional teams for product delivery
8. Flexibility; the role will be broad and cover all aspects of credit card product management. Priorities can change quickly and you will spend time debugging smaller problems while also delivering major changes to our product
9. Working at speed; you make things happen. You are not afraid to roll up your sleeves and take responsibility for implementation and design decisions. You work at speed and enjoy a healthy dose of pressure
10. Process management; a solid understanding of the software development life cycle and how to ensure our products are working as intended for our customers
11. Agility; not just Agile (Scrum or Kanban would be nice) but adaptability to thrive in an unstructured, fast-moving and constantly evolving high-growth environment

Interview process

1. CV screening
2. A quick introduction call with someone from the Talent Team
3. A take-home exercise to complete in your own time + take-home debrief (via video)
4. Final round interview with CPO, MD, Product Lead and Engineering Manager

Life at Lendable (check out our Glassdoor page)
The opportunity to scale up one of the world's most successful fintech companies. Best-in-class compensation, including equity. You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to build and exchange ideas. Our in-house chef prepares fresh, healthy lunches in the office every Tuesday-Thursday. We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance. We're an equal opportunity employer and are looking to make Lendable the most inclusive and open workspace in London.
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About Lendable
Lendable is on a mission to make consumer finance amazing: faster, cheaper and friendlier. 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 400 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.