Senior Product Manager (US Cards)

About LendableLendable is on a mission to build the world's best technology to help people get credit and save money.We're building one of the world’s leading fintech companies and are off to a strong start:One of the UK’s most exciting unicorns with a team of over 800 peopleAmong the fastest-growing tech companies in the UKProfitable since 2017Backed by top investors including Balderton Capital and Goldman SachsLoved 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 toTake ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutionsBuild the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy liftingAbout the roleYou'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 doingOwning 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 forEssentialA 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 likethe instinct to notice when something is offthe persistence to find the real driver, without taking a confident answer from a dashboard or model at face valueComfort 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 haveExperience 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 processA quick chat with someone from our Talent team to see if the role is a good match.A 15-minute cognitive assessment.An interview with the Hiring Manager, covering your experience and how you approach the work.A practical exercise or case study relevant to the role, discussed with the team you'd be working with.A set of final interviews to assess how you'd thrive within our team and organisation.Life at LendableWinning team: the opportunity to scale up one of the world’s most successful fintech companiesFlexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sitesSocials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office wallsHealth coverage: support for your physical and mental wellbeing, including private health coverRetirement & savings: long-term financial wellbeing through retirement savings plansEmployee referral programme: earn a competitive bonus when you refer successful new team membersOffice meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locationsSustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locationsPlease note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.Check out our blog!LocationLondonEmployment TypeFull timeLocation TypeHybridDepartmentEngineering & Product