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For Companies At a Glance
- Tasks: Lead the development of innovative credit solutions for small businesses across Europe.
- Company: Teya, a dynamic payment and software service provider based in London.
- Benefits: Health support, flexible leave, pension scheme, and daily office snacks.
- Why this job: Make a real impact on how small businesses access funding and grow.
- Qualifications: 10+ years in credit product roles with strong leadership and communication skills.
- Other info: Inclusive workplace committed to diversity and personal growth.
The predicted salary is between 72000 - 108000 £ per year.
Teya is a payment and software service provider headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy-to-use, integrated tools that enable our members to accept payments and boost business performance.
Your Mission
As a Principal Product Manager for Credit, you’ll play a critical role in building and scaling innovative credit solutions that empower thousands of merchants across Europe. This is a highly impactful individual contributor role where you’ll define product vision, shape strategy, and drive execution for Teya’s credit platform—directly influencing how small businesses access funding and fuel their growth.
What You’ll Do
- Own the Credit Vision & Strategy: Define and deliver a roadmap covering first-party lending, embedded credit experiences, and third-party lending partnerships.
- Lead End-to-End Product Lifecycle: From onboarding and risk assessment to servicing, collections, and renewals.
- Build Scalable Platforms: Develop underwriting and decisioning systems leveraging bureau data, open banking, behavioral analytics, and proprietary merchant signals.
- Drive Data-Led Strategies: Optimize approval rates, pricing models, and risk tiers while managing portfolio performance.
- Shape Credit Economics: Collaborate with C-suite to balance growth, loss rates, capital efficiency, and RoE.
- Ensure Regulatory Compliance: Work closely with Risk and Compliance to meet UK/EU frameworks for KYC/KYB, affordability, and responsible lending.
- Expand Through Partnerships: Forge strong relationships with third-party lenders to broaden product availability and optimize commercial terms.
- Go-to-Market Leadership: Align Sales, Marketing, Risk, and Operations for successful launches across all markets.
- Market Research & Competitive Analysis: Stay ahead of trends in SME lending, alternative financing, and embedded credit.
- Influence at the Highest Level: Communicate priorities and performance to senior leadership, shaping strategy across Banking and Acquiring.
- Build & Mentor Teams: Lead a high-performing team across Product, Data Science, and Credit Ops.
Experience & Skill-set
- Experience: 10+ years in credit product or lending strategy roles within fintech, commercial lending, or neobanks.
- Track Record: Proven success launching or scaling SME lending products with strong portfolio performance.
- Expertise: Deep knowledge of credit decisioning, scoring models, affordability, pricing, risk segmentation, fraud prevention, and capital allocation.
- Regulatory Knowledge: Strong understanding of UK/EU frameworks (AML/KYC/KYB, open banking, responsible lending).
- Commercial Acumen: Ability to model unit economics, design pricing strategies, and balance growth vs. risk.
- Leadership: Skilled at building cross-functional teams and influencing across Engineering, Data, Risk, Finance, Legal, and Sales.
- Communication: Exceptional ability to present insights and strategies to senior leadership and external partners.
- Data-Driven Mindset: Experience using analytics and experimentation to improve approval rates, conversion, and repayment.
The Perks
- Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness, and nutrition apps.
- Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support.
- Cycle-to-Work Scheme.
- Health and Life Insurance.
- Pension Scheme.
- 25 days of Annual Leave (+ Bank Holidays).
- Office snacks every day.
- Friendly, comfortable, and informal office environment in Central London.
Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.
Principal Product Manager - Credit employer: Teya
Contact Detail:
Teya Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Principal Product Manager - Credit
✨Tip Number 1
Network like a pro! Reach out to people in your industry, especially those at Teya or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
✨Tip Number 2
Prepare for the interview by understanding Teya's mission and values. Show us how your experience aligns with our goals in empowering small businesses. Tailor your examples to highlight your impact in previous roles.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or use online platforms. The more comfortable you are discussing your experience and ideas, the better you'll perform when it counts.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows us you're genuinely interested in joining the Teya team.
We think you need these skills to ace Principal Product Manager - Credit
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Principal Product Manager for Credit. Highlight your experience in credit product management and any relevant achievements that align with Teya's mission.
Craft a Compelling Cover Letter: Use your cover letter to tell us why you're passionate about empowering small businesses through innovative credit solutions. Share specific examples of how you've driven product strategy and execution in the past.
Showcase Your Data Skills: Since this role is data-driven, be sure to include any experience you have with analytics, decisioning systems, or optimising approval rates. We want to see how you can leverage data to shape credit strategies.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining Teya!
How to prepare for a job interview at Teya
✨Know Your Credit Inside Out
Make sure you brush up on your knowledge of credit products and lending strategies. Understand the nuances of first-party lending, embedded credit experiences, and how to optimise approval rates. This will show that you're not just familiar with the role but are genuinely passionate about it.
✨Showcase Your Data-Driven Mindset
Prepare to discuss how you've used data analytics in previous roles to drive product decisions. Be ready to share specific examples of how you've improved approval rates or managed portfolio performance using data-led strategies. This is crucial for a Principal Product Manager role.
✨Demonstrate Cross-Functional Leadership
Think about times when you've successfully collaborated with different teams, like Engineering, Risk, and Sales. Be prepared to share stories that highlight your ability to influence and lead cross-functional teams, as this is key to driving Teya’s credit vision and strategy.
✨Stay Ahead of Market Trends
Research current trends in SME lending and alternative financing. Being able to discuss these trends and how they might impact Teya's credit platform will demonstrate your proactive approach and strategic thinking, which are essential for this role.
