Senior Product Manager Spend Management in London

We’re currently looking for an exceptional Senior Product Manager to lead our Debit Cards & Spend Management squad. This is a 12-month Fixed-Term Contract (Maternity Cover) with potential to go permanent after the initial period.

If you’re driven by the challenge of building best-in-class debit card experiences for SMEs, and are passionate about empowering customers through smart, seamless spend solutions—then we want to hear from you.

Your Impact at OakNorth:

• As a Senior Product Manager – Spend Management, you’ll take ownership of our card and spend management proposition.
• You’ll drive strategy, collaborate across teams, and play a pivotal role in evolving our debit card product and infrastructure.

What you’ll do:

• Own and drive the product roadmap for debit card and spend management solutions, aligned to our customer and business goals.
• Shape the strategic agenda for our card programme, including product capabilities, operational scalability, and innovation opportunities.
• Act as the subject matter expert on debit card products and spend management—across internal and external teams.
• Collaborate with third parties including card processors (e.g., Marqeta), card networks (e.g., Visa), and other service providers to deliver a resilient, compliant and scalable product.
• Support internal stakeholders, including Operations, Compliance, Finance and Customer Support teams, in resolving card-related queries and operational issues.
• Define and monitor OKRs for your area, driving measurable outcomes and continuous product improvement.
• Conduct user research and discovery, engaging SMEs to understand their needs around card spend, control, and reconciliation.
• Lead cross-functional teams across Product, Engineering, Design and Business to ship impactful features that scale.

What we’re looking for:

• Proven experience managing digital card products (ideally debit or prepaid), within a fintech, bank or card programme manager.
• Strong understanding of the end-to-end card ecosystem—including card issuing, transaction flow, authorisation/decline logic, network rules, disputes, fraud, and reconciliation.
• Experience working with multiple third-party providers, such as processors, KYC/AML vendors, accounting integrations, card manufacturers, and fraud tools.
• The ability to confidently support cross-functional teams with product-level and operational knowledge of card programmes.
• A passion for building financial products that are user-friendly, reliable, and solve real business needs.
• A strong grasp of product lifecycle management—from discovery and MVP scoping to scaling and optimisation.
• Excellent communication and stakeholder engagement skills, including presenting to leadership and collaborating with compliance or risk functions.

Bonus if you:

• Have worked on employee card, spend management or subscription control tools for business banking customers.
• Have supported card tokenisation, card controls, FX, or expense categorisation features.
• Are familiar with accounting integrations (e.g. Xero, QuickBooks) and how spend data connects to back-office systems.

How we expect you to behave:

• We embrace difference and know that when we can be ourselves at work, we are happier, more motivated and creative.
• We want to be able to bring our whole selves to work, have our own perspectives and know that we belong.
• Through your behaviours at work, we expect you to reflect and actively sustain a healthy engineering environment.

What Makes Working Here Better:

• This role offers the opportunity to work closely with the team, requiring a minimum of 3 days per week in the office to foster hands-on collaboration and innovation.
• Work-life balance 🌴 - 25 days holiday (plus bank holidays) each year, and enhanced family leave allowances.
• Competitive salary & equity 🏦 - We want people to have a serious stake in the business.
• Good kit 💻 - Your choice of the best laptop, running macOS or Ubuntu.
• Team socials 🎉 - The opportunity to get to know each other outside of work.
• Company socials 🥡 - A chance to catch up and meet new colleagues weekly over informal office breakfasts and dinners.
• Commuter support 🚲 - We offer the cycle to work & EV scheme.

About Us:

We’re OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace. Banking should be barrier-free. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools.

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