Head of Product

At Moneybox, our mission is to give everyone the means to get more out of life. We're guided by our belief that wealth isn't about the money, it's about the means to more — more freedom, opportunities, possibilities, and peace of mind. We're an award-winning wealth management platform, helping over 2 million people build wealth throughout their lives, whether they're saving and investing, buying their first home, or planning for retirement. We administer over £22 billion in assets and were the first UK investment platform to offer a pension via an app. Having launched pension consolidation, our own investment funds and pension drawdown, we are now bringing regulated advice to our customers - accessible, high-quality advice, delivered through a hybrid of intelligent technology (our Aurora advice engine) and human experts.

This is a rare opportunity to build a business within a business. We're looking for a Head of Product to own the product for our new Advice service end-to-end — from customer experience, through the underlying technology and operational model, to commercial performance. Moneybox advice service will help customers who need it to access the advice they need to be confident in their plans and achieve their goals - this role is accountable for making this a possibility.

We're looking for someone who thrives at the meeting point of three demands:

• Creating a customer experience that's genuinely compelling and different;
• Building novel technology and decisioning (our Aurora advice engine working alongside human Advisors and Paraplanners);
• Running a regulated service where suitability, compliance and good customer outcomes are non-negotiable.

You'll need to be at home holding all three at once.

What you'll do

• Commercial — build a material new revenue line
  • Define and move the metrics that matter. Set the success metrics for the service - conversion into advice, adviser capacity and utilisation, cost-to-serve, AUA, retention and customer financial outcomes - and relentlessly focus the cross-functional team of stakeholders on the few that genuinely move the needle.
  • Find product-market fit, then scale it. Test and iterate the proposition until it demonstrably works for customers and the business, then build the engine to scale it; expanding from launch through year one and beyond.
  • Make the build-vs-not-build calls. Decide what not to build as much as what to build, sequencing investment where it delivers the greatest impact and protecting the team from scope that doesn't.
• Customer — design a novel and compelling advice experience
  • Own the end-to-end journey. Shape how customers enter, experience and act on advice, from the fact find, through their Aurora-generated plan and video consultation, to the actions they take afterwards.
  • Turn a traditionally intimidating, jargon-heavy experience into something intuitive, transparent and genuinely helpful.
  • Close a real industry gap. High-quality financial advice has historically been inaccessible to most people. Design personalised journeys that make expert advice accessible and affordable, helping customers understand their options and confidently take the right next step.
  • Frame the problem before scaling the solution. Define the “why” and the customer job-to-be-done, set measurable success criteria, and make sure the team is solving the right problem before committing to delivery.
  • Hold a high bar for craft. Partner closely with Product Design and Research to ensure every touchpoint (incl. app, web, video, comms) is coherent, clear, fair and not misleading, and reflects the quality Moneybox customers expect.
• Technical & operational — understand it, challenge it, shape it
  • Engage deeply in the build. Get genuinely into the detail of how the Aurora advice engine works: the fact find data, the decision flows, the House Rules that govern what Aurora can and cannot recommend, and how model outputs are reviewed.
  • Understand the technology and decisioning well enough to challenge it constructively with a product mindset.
  • Design the operational model. Shape how the service actually runs: the workflow across Advisors, Paraplanners and support, the QA and manual-review process, SLAs, escalation paths, and the tooling (Advisor Management System, suitability reports, fact find) that makes it efficient and safe at scale.
  • Translate regulation into experience. Work hand-in-hand with Risk, Legal and Compliance so the service meets the highest standards of consumer protection and Consumer Duty, and turn those requirements into seamless experiences rather than friction.
  • Contribute to the House Rules and to stress-testing the advice model.
  • Bridge the disciplines. Be the connective tissue between Product, Engineering, Decisioning/AI, the Advice team and Compliance, thus reducing reliance on individual specialists and giving everyone architectural and operational clarity.

What we're looking for

• Regulated-services experience (must-have). Proven experience building or running products within a regulated service, with a genuine understanding of how to operate where compliance and good customer outcomes are non-negotiable.
• Strategic, structured thinker. You bring order to ambiguity — turning uncertain, high-stakes problem areas into clear frames, measurable goals and sequenced decisions, and designing coherent systems rather than fragmented one-off fixes.
• Exceptional attention to detail. You hold a very high bar on complex, business-critical work, and you sweat the details that determine whether an advice journey is suitable, clear and safe.
• Appetite for the technical and operational. You want to get into the build and the operating model - decisioning logic, data flows, workflows, tooling and process - and you have the product judgement to challenge and improve them.
• Strong commercial mindset. You can balance customer needs against commercial outcomes, understand the drivers of revenue, AUA and lifetime value, and are comfortable being accountable for a new service.
• Exceptional communicator and influencer. You can simplify the complex, articulate decisions and their impact to technical and non-technical audiences alike, and influence senior leadership and specialist teams without needing to be the deepest specialist in the room.
• End-to-end ownership. A track record of owning outcomes from problem definition through delivery, launch and post-launch impact, with the structure and drive to deliver against tight timelines.

Nice to have

• Financial services experience. Background in wealth, pensions, investing, banking, payments or another financial-services domain.
• Hybrid digital + human-led services. Experience building services that combine intelligent technology with human experts — robo/hybrid advice, automated decisioning, or comparable models.
• Intelligence-driven product. Familiarity with AI/ML, decisioning systems, personalisation or model-safety and governance.