At a Glance
- Tasks: Lead the Savings and ISA product suite, shaping strategy and ensuring compliance.
- Company: Join a pioneering AI-native banking platform transforming the financial landscape.
- Benefits: Competitive salary, inclusive culture, and opportunities for professional growth.
- Other info: Diverse team environment that values unique perspectives and experiences.
- Why this job: Make a real impact in banking by innovating savings products for UK clients.
- Qualifications: 5+ years in product management with expertise in UK savings and ISA regulations.
The predicted salary is between 63000 - 77000 £ per year.
Constantinople delivers a new era of AI-native banking. Constantinople provides banks with a fully-managed software and AI operational platform, which brings together customer experience, product, data, operations, compliance and infrastructure in a single platform. Constantinople’s AI-native platform eliminates the need for expensive infrastructure, and replaces manual operational and compliance processes with AI at scale. By removing the operational complexity of banking, Constantinople enables our client banks to focus on their customers and the business of banking.
The Role
You will own the Savings and ISA product suite for our UK clients, end to end. You will set its strategy, decide what gets built and why, and be accountable for how it performs once it is live with the banks and building societies we serve. You will build products that our clients can launch quickly and run with confidence, from easy access and notice accounts to fixed-term bonds and Cash ISAs. That means getting the detail right on interest, transfers, allowances, and reporting, and making sure every product meets HMRC ISA rules and FCA requirements from day one.
You will work closely with Software Engineering, Solution Engineering, Product Design, Operations, and Risk and Compliance. You will also help shape how automation and AI can take the manual work out of savings operations, so our clients can focus on their customers.
What you will do
- Define the vision, strategy, and roadmap for UK Savings and ISA products, aligned with company goals and client needs.
- Own the product suite, including easy access, notice, fixed-term, and regular savings accounts, and Cash ISAs, with flexible ISA and Junior ISA capabilities where clients need them.
- Make sure ISA products comply with HMRC ISA regulations, including subscription limits, flexible ISA rules, ISA transfers in and out, and HMRC reporting and returns.
- Work with Legal, Risk, and Compliance teams so products meet FCA and PRA requirements, including Consumer Duty, fair value assessments, and FSCS disclosure and Single Customer View requirements.
- Build interest management capabilities, such as rate changes, tiered and bonus rates, maturity handling, and customer notifications.
- Stay ahead of UK savings market trends, competitor movements, and regulatory change, including any reforms to ISA rules and allowances.
- Write clear product requirements, and work with engineering and design teams to build, test, and ship solutions.
- Own go-to-market for new products and major releases, working with Solution Engineering, Delivery, and client teams.
- Work with clients to understand their savings strategy, such as deposit gathering, funding targets, and rate positioning, and turn it into product capabilities.
- Define, measure, and analyse product metrics to drive insights, inform the roadmap, and iterate toward the best outcomes.
- Automate savings operations, such as account opening, maturities, ISA transfers, and reconciliations, to reduce manual work for our clients.
- Manage relationships with key partners and service providers, such as payments, identity verification, and ISA transfer providers.
Who You Are
- You have 5+ years of experience in product management, with significant time on UK savings products.
- You have hands-on experience with Cash ISAs, and you understand HMRC ISA regulations, transfers, and reporting.
- You know the UK regulatory landscape for savings, including Consumer Duty, FSCS, and the requirements set by the FCA and PRA.
- You have taken products from idea to launch, and then improved and scaled them in market.
- You are technical enough to engage credibly with engineers on architecture, integrations, and trade-offs.
- You explain complex ideas simply to technical and non-technical audiences.
- You make decisions with data, and you know which metrics show whether a product is working.
- You have a track record of driving alignment across many stakeholders, inside and outside the business.
- You have a bias for action and a willingness to do whatever it takes to solve hard problems and delight users.
Nice to have
- Experience at a challenger bank, digital savings platform, or building society.
- Experience with Lifetime ISAs, Stocks and Shares ISAs, or savings marketplaces.
- Experience with core banking platforms, or B2B or platform products serving financial institutions.
- Experience with UK payments, such as Faster Payments, Bacs, and Confirmation of Payee.
- Startup or scale-up experience.
Inclusion
To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal-opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us. We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.
Product Manager, Savings & ISAs in London employer: Constantinople
At Constantinople, we pride ourselves on being an exceptional employer that fosters a dynamic and collaborative work culture. As a Client Delivery Manager, you will have the opportunity to lead impactful projects while working closely with diverse teams in a fast-paced start-up environment. We offer robust employee growth opportunities, a commitment to innovation, and the chance to shape scalable processes that drive client success, all within a vibrant location that encourages creativity and teamwork.
StudySmarter Expert Advice🤫
We think this is how you could land Product Manager, Savings & ISAs in London
✨Tip Number 1: Tap Into Professional Networks
The finance world loves a good connection, so jump into industry-specific groups on platforms like LinkedIn where you can find discussions on financial controlling. Engaging in these communities can expose you to hidden job leads that aren't openly advertised!
✨Tip Number 2: Attend Finance Events and Conferences
Make it a mission to attend finance-related events and conferences, even virtual ones! This is a golden opportunity to network face-to-face with people from companies like Constantinople. You never know who might be your next boss or a crucial contact!
✨Tip Number 3: Showcase Your Expertise
Consider writing articles or sharing insights related to financial controlling or industry trends. Publish these on platforms like LinkedIn to establish yourself as a knowledgeable player in the field. This not only increases your visibility but also catches the attention of recruiters from Constantinople.
✨Tip Number 4: Apply Directly on Company Websites
Since you're going for a full-time gig, don't forget to keep an eye on the careers page of companies you're interested in, like Constantinople. Many companies prefer candidates who apply through their website as it shows genuine interest and makes your application stand out!
We think you need these skills to ace Product Manager, Savings & ISAs in London
Some tips for your application 🫡
Show Off Your Numbers Game:In financial controlling, detail is everything! Make sure your CV showcases your proficiency with numbers—highlight any relevant experience in budgeting, forecasting, or working with financial software. Quantifying your past achievements will make you stand out, so don’t be shy about flaunting those impressive percentages or cost savings you've implemented.
Tailored Cover Letter is Key:Your cover letter is a chance to shine, especially for a full-time role. Use it to express your genuine interest in Constantinople and the specific impact you hope to make in financial controlling. Mention any relevant qualifications or experiences that align with the company’s goals, and don’t forget to show that you're ready for a long-term commitment!
Certifications Matter:List relevant certifications such as ACCA or CIMA on your CV. These qualifications not only showcase your dedication to the field but also your technical competence in financial principles. If you have any ongoing training or courses, make sure to mention those as well to demonstrate your commitment to continual learning in financial controlling.
Don’t Overlook Soft Skills:While numbers are crucial, so are those soft skills! Financial controllers need strong communication and analytical reasoning abilities. We recommend embedding examples of these skills in your CV and cover letter, like how you’ve successfully delivered financial reports to stakeholders or collaborated with teams to improve processes. Let’s show Constantinople how you can be a team player!
How to prepare for a job interview at Constantinople
✨Brush Up on Technical Skills
Make sure you're comfortable with key financial concepts, especially around forecasting, budgeting, and variance analysis. Sometimes, interviewers may throw in technical questions or case studies, so practicing these types of scenarios will help you shine!
✨Showcase Your Financial Acumen
If you've had experience with specific financial software like SAP or Oracle, make it known! Be ready to discuss how you used these tools to improve processes or reporting, as this hands-on knowledge can really set you apart in a full-time role with Constantinople.
✨Know Your Numbers
In full-time interviews, especially in financial controlling, be prepared for numerical reasoning tests or questions. Brush up on your mental maths and understand how to interpret and analyse financial statements on the spot, as this may come up during the assessment.
✨Connect with Company Goals
Familiarise yourself with Constantinople's financial objectives and any recent developments. During the interview, try to weave your understanding of their business model and challenges into your answers—this shows your genuine interest and alignment with their goals!
