Senior Product Manager (US Cards) in London

You'll own customer lifecycle management for US Cards. That covers everything from a customer's first transaction through every part of their relationship with us. You'll join as we prove out the book, then take it into its next phase of growth. This suits someone who wants to shape a product while it's still being defined, not inherit a finished one.

You'll be part of a small team of data-driven problem solvers. Like most teams at Lendable, it's small relative to what it runs, so you'll own decisions and their implementation rather than handing them off. The work sits close to the proprietary AI and decisioning that lets us see people as individuals rather than credit scores. You'll be expected to use AI to build, test and analyse faster than a team our size otherwise could.

What you'll be doing

• Owning the product vision and roadmap: first to market parity, then past it, for our current and expanding target segment, driven by customer understanding and experimentation.
• Owning the customer lifecycle from first transaction onwards, including credit line management, spend and engagement growth, balance growth, pricing and proposition management, and retention and reactivation.
• Shaping the mobile app experience to drive activation, spend and engagement.
• Building new credit propositions alongside the core Cards product.
• Executing hands-on: writing and resolving tickets, prototyping, and owning implementation and design decisions. You'll use AI tools to build the scrappiest thing that answers the question rather than waiting for engineering capacity.
• Bringing Credit, Growth, Design, Data Science and Compliance with you, and partnering closely with US Cards Managing Director.
• Setting clear, measurable goals and judging your work by whether the numbers moved, not by what shipped. You'll champion experimentation and never ship what you can't sense-check.

What we're looking for

• Essential
• A track record of owning product outcomes end to end. You make tough calls under ambiguity, own them, and course-correct when the evidence turns.
• Strong analytical instinct: a feel for what the numbers should look like, the instinct to notice when something is off, the persistence to find the real driver, without taking a confident answer from a dashboard or model at face value.
• Comfort working hands-on: writing and resolving tickets, prototyping, and making implementation and design decisions yourself.
• Real fluency with AI tools as a working part of how you build, test and analyse.
• The ability to lead through influence across Credit, Growth, Design, Data Science and Compliance. You change your mind when presented with a good argument, and you expect others to do the same.
• Nice to have
• Experience with consumer credit lifecycle levers such as credit line management, pricing, and retention and reactivation.
• Experience shaping mobile app journeys for activation and engagement.

Interview process

1. A quick chat with someone from our Talent team to see if the role is a good match.
2. A 15-minute cognitive assessment.
3. An interview with the Hiring Manager, covering your experience and how you approach the work.
4. A practical exercise or case study relevant to the role, discussed with the team you'd be working with.
5. A set of final interviews to assess how you'd thrive within our team and organisation.

About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money.

• Founded in 2014
• Profitable since 2017
• Unicorn in 2021
• Backed by Balderton, Goldman Sachs and Ontario Teachers' Pension Plan
• Loved by customers & employees with top reviews on Glassdoor and 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 are held by big banks with dated systems and painful processes.

Life at Lendable

• 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 be together, build and exchange ideas
• Our in-house chefs prepare 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 keen to make Lendable the most inclusive and open workspace in London