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- Tasks: Lead the creation of a new card product for an underserved market.
- Company: Ayan Capital, an FCA-authorised lender focused on ethical finance.
- Benefits: Competitive salary, equity options, and direct access to leadership.
- Why this job: Be part of a unique build role in regulated financial services with real impact.
- Qualifications: 4-7 years in product management, especially in payments or consumer finance.
- Other info: Opportunity to shape a product from concept to launch in a dynamic environment.
The predicted salary is between 36000 - 60000 £ per year.
We built products for a market most banks ignore. Now we're building the next one. Ayan Capital is an FCA-authorised direct lender focused on building ethical consumer finance products in the UK. Our car finance product is live and scaling. Now we're designing a card product from scratch — for an underserved market of over 4 million people. We're hiring a Product Manager to take this from concept to launch. You'll define the proposition, build the business case, design the customer journey, navigate the regulatory requirements, and ship it. This isn't a roadmap execution role — it's a build role, and genuine build roles in regulated financial services are rare.
What You'll Do
- Define and launch Ayan's card product from concept to market
- Lead product discovery: customer research, competitive analysis, regulatory scoping, technical feasibility
- Build the business case — unit economics, pricing model, go-to-market strategy
- Design the end-to-end customer journey: application, onboarding, transaction experience, servicing, collections
- Make build-vs-buy decisions on infrastructure, processors, and scheme relationships
- Work with Compliance to ensure the product is FCA-ready from day one
- Coordinate with engineering to scope, build, test, and iterate
- Own the product roadmap post-launch — features, improvements, and expansion based on real customer data
- Explore adjacent product opportunities as the platform grows
What We're Looking For
- 4–7 years of product management experience with meaningful exposure to payments, cards, or consumer financial products
- You've built something new before — defined the proposition, scoped the MVP, shipped it to market
- Strong commercial thinking — you can build a P&L model, define pricing, and articulate unit economics clearly
- Experience in a regulated financial services environment — you understand what launching a compliant product actually involves
- Comfortable with ambiguity — the card product doesn't exist yet and you'll need to create structure where there is none
- You can align engineering, compliance, commercial, and leadership stakeholders without needing to be managed through it
- Opinionated about product but evidence-driven
Nice to Have
- Direct experience launching a card or payments product in the UK
- Familiarity with card scheme requirements (Visa/Mastercard), BIN sponsorship, or issuer-processor relationships
- Exposure to ethical or Islamic finance
- Background working with programme managers or Banking-as-a-Service providers
- Startup or scale-up experience where you've built with limited resources
Why Ayan
- A genuine zero-to-one build role in regulated financial services
- You're building for a large, underserved market with real commercial rationale
- FCA-authorised platform with existing customers, infrastructure, and funding — this isn't a pre-revenue idea
- Direct access to senior leadership with fast decision-making
- Competitive salary, equity options
Product Manager — Cards & New Products employer: Ayan
Contact Detail:
Ayan Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Product Manager — Cards & New Products
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that dream job.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to product management. We recommend doing mock interviews with friends or using online platforms to get comfortable with articulating your thoughts clearly.
✨Tip Number 3
Showcase your passion for building products! When you get the chance to chat with potential employers, share your ideas about the card product and how you’d approach the build. We love seeing candidates who are genuinely excited about what they could create.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we’re always looking for innovative thinkers who want to make a difference in the financial services space.
We think you need these skills to ace Product Manager — Cards & New Products
Some tips for your application 🫡
Show Your Passion for Building: When you write your application, let us see your enthusiasm for building new products. Share specific examples of how you've taken a concept and turned it into a successful launch. We want to know what drives you!
Be Clear and Concise: Keep your application straightforward and to the point. Use clear language to describe your experience and skills, especially those related to product management in regulated environments. We appreciate brevity but also want to see depth!
Tailor Your Application: Make sure to customise your application for this role. Highlight your relevant experience with cards and consumer finance products, and explain how your background aligns with our mission at Ayan Capital. We love seeing candidates who do their homework!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you're keen on joining our team!
How to prepare for a job interview at Ayan
✨Know Your Product Inside Out
Before the interview, dive deep into Ayan Capital's current products and their market positioning. Understand the unique selling points of the car finance product and think about how you would approach building a card product from scratch. This will show your genuine interest and help you articulate your vision during the interview.
✨Prepare for Regulatory Discussions
Given the importance of compliance in this role, brush up on FCA regulations and what it means to launch a compliant financial product. Be ready to discuss how you would navigate these requirements while still pushing for innovation. This will demonstrate your understanding of the regulatory landscape and your ability to balance compliance with creativity.
✨Showcase Your Build Experience
Come prepared with specific examples of products you've built or launched in the past. Highlight your role in defining propositions, scoping MVPs, and working with cross-functional teams. This will help the interviewers see that you have the hands-on experience needed for a genuine build role.
✨Think Commercially
Be ready to discuss unit economics, pricing models, and go-to-market strategies. Prepare a few ideas on how you would approach these aspects for the new card product. This will showcase your strong commercial thinking and your ability to contribute to the business case right from the start.