Product Manager - Consumer Experience (023AB55)

Referment is working with a fast-growing fintech that is rebuilding payments around zero-fee processing for merchants, monetising instead through value-added services such as lender commissions and FX. Backed by leading venture investors and already trusted by millions of consumers and thousands of businesses, its product team sits at the centre of that mission.

This is a hands-on product role focused on the consumer side of the platform — the web and mobile experiences, checkout and payment flows that sit at the core of what the business does. You'll shape the roadmap working across Commercial, Operations, Design, Engineering and Data, and you'll be building with AI-native tools from day one.

The Role

• Shape the roadmap for consumer experiences: obsess over the right problems, define bold success metrics, and make decisions that are both commercial and customer-minded.
• Take products from zero to one and beyond — through ideation, development, launch, growth and the relentless optimisation that follows.
• Push Engineering to move fast and build right, leading on technical approach, requirements and delivery without losing sight of the bigger picture.
• Partner with Design and UX to create web and mobile experiences that are simple yet transformative.
• Run bold experiments on checkout and conversion flows — cut what doesn't work, double down on what does.
• Cut through complexity with stakeholders across Marketing, Legal, Financial Crime and Strategy, aligning quickly and moving faster.

What We're Looking For

• 3-5+ years of product management experience on consumer-focused features, with a track record of taking features from zero to one.
• Direct experience of consumer products such as consumer checkout, consumer apps or consumer fintech — you understand how conversion and drop-off trade off against each other, and you've moved the needle on them. This is a consumer product role, not a back-end payments or B2B platform role.
• Comfortable working with Engineering: you can write a clear spec, argue technical trade-offs, and make the call when there's no clean answer.
• Sharp with data — you define success metrics and analyse the data around your features.
• A bias for shipping: an 80%-right version this week beats a 100%-right version next quarter.
• Excellent written and verbal communication that brings engineers, designers and non-technical stakeholders onto the same page.
• You've shipped and grown a product used by tens or hundreds of thousands of consumers — in e-commerce, retail marketplaces, subscriptions, fintech, gaming or media.

This could suit a product manager from a consumer e-commerce, marketplace or fintech business who loves conversion optimisation and wants ownership of checkout and payment flows at scale.

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