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For Companies At a Glance
- Tasks: Lead the development of innovative lending products that redefine access to credit globally.
- Company: Join Toptal, a leading talent marketplace transforming finance with cutting-edge technology.
- Benefits: Enjoy a high-trust environment, maximum autonomy, and career-accelerating opportunities.
- Other info: Collaborate with diverse teams and embrace AI to enhance decision-making and execution.
- Why this job: Make a real impact by shaping financial access for underserved communities worldwide.
- Qualifications: 5+ years in fintech product management, especially in lending or consumer finance.
The predicted salary is between 36000 - 60000 £ per year.
Overview
Technical Product Manager, Lending & Credit
Join to apply for the Technical Product Manager, Lending & Credit role at Toptal.
About Toptal
Toptal is the world’s leading premium talent marketplace, trusted by 30,000+ clients, processing over $5B in payments across 140+ countries. We’re launching Toptal’s next frontier: a borderless finance platform built on stablecoin rails to reinvent how millions of people manage, move, invest, and borrow money. Lending is a critical part of this mission. With contractors and freelancers underserved by traditional banks, this is your opportunity to help build lending products that redefine access to credit globally.
What you’ll do
- Work side-by-side with engineering, risk, compliance, design, and data in a lean, cross-functional team.
- Translate customer needs and regulatory requirements into clear product flows and credit decisioning models.
- Drive product development end-to-end, from discovery through rollout, shipping in weeks not quarters.
- Manage integrations with underwriting partners, credit bureaus, and payment systems to deliver seamless borrowing and repayment.
- Support credit product strategy to scale responsibly across multiple regions and regulatory frameworks.
What we’re looking for
- 5+ years of product management experience in fintech, with a focus on lending, BNPL, insurance, credit cards, or consumer finance.
- Technical fluency – you understand APIs, data models, and lending systems and can translate them into clear specs.
- Track record of delivering fintech products from concept to scale.
- Experience managing credit risk and compliance requirements, working closely with risk, legal, and compliance.
- Proven ability to collaborate with external providers (credit bureaus, banking partners, collections).
- Data-driven mindset – you measure success by adoption, repayment, and portfolio performance.
How you work
- Ownership mindset – you own outcomes, not just tasks.
- Customer-first builder – you design borrowing experiences that are simple, transparent, and trusted.
- High-velocity – you ship quickly, adapt fast, and balance short-term impact with long-term resilience.
- Clarity over complexity – you simplify regulations, risk policies, and flows into intuitive experiences.
- AI-native operator – you embrace AI to speed up analysis, decisioning, and execution.
Bonus Points
- Launched salary-advance, BNPL, or credit card products.
- Experience with bureau integrations, open banking, or alternative underwriting data.
- Scaled lending products in regulated markets (EU, UK, US).
- Worked with collections, recovery, or treasury teams to manage loan portfolios.
What we offer
- Impact role – shape lending products that expand financial access for underserved global talent.
- Move fast, no bureaucracy – high-trust environment, maximum autonomy.
- Career-accelerating opportunity – build credit products at the exact moment stablecoins and global credit rails are converging.
- Transparent, supportive culture – feedback flows freely, the best ideas win, and you’ll have the freedom to experiment, learn, and grow.
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Technical Product Manager, Lending & Credit employer: Toptal
Contact Detail:
Toptal Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Technical Product Manager, Lending & Credit
✨Tip Number 1
Network like a pro! Reach out to folks in the fintech space, especially those who work with lending products. Use platforms like LinkedIn to connect and engage with them; you never know who might have the inside scoop on job openings.
✨Tip Number 2
Prepare for interviews by diving deep into Toptal’s mission and values. Understand their approach to lending and credit, and think about how your experience aligns with their goals. This will help you stand out as a candidate who truly gets what they’re about.
✨Tip Number 3
Showcase your technical fluency! Be ready to discuss APIs, data models, and lending systems in detail. Bring examples of how you've translated complex requirements into clear product flows in your past roles.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re serious about joining the team and ready to make an impact in the lending space.
We think you need these skills to ace Technical Product Manager, Lending & Credit
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Technical Product Manager in Lending & Credit. Highlight your fintech experience and any relevant projects that showcase your ability to deliver products from concept to scale.
Craft a Compelling Cover Letter: Use your cover letter to tell us why you're passionate about lending and credit. Share specific examples of how you've driven product development and collaborated with cross-functional teams in the past.
Showcase Your Technical Skills: Since technical fluency is key, don’t shy away from mentioning your understanding of APIs, data models, and lending systems. We want to see how you can translate these into clear specs for our team.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get you on our radar quickly!
How to prepare for a job interview at Toptal
✨Know Your Fintech Stuff
Make sure you brush up on your fintech knowledge, especially around lending and credit products. Be ready to discuss your experience with APIs, data models, and how you've delivered products from concept to scale. Toptal is looking for someone who can speak the language of finance and technology fluently.
✨Showcase Your Collaboration Skills
Since this role involves working closely with various teams like engineering, risk, and compliance, be prepared to share examples of how you've successfully collaborated in cross-functional environments. Highlight any experiences where you managed integrations with external partners, as this will show you understand the importance of teamwork in product development.
✨Be Data-Driven
Toptal values a data-driven mindset, so come armed with metrics that demonstrate your success in previous roles. Discuss how you've measured adoption, repayment, and portfolio performance in your past projects. This will help illustrate your ability to make informed decisions based on data.
✨Embrace the Customer Perspective
Remember, Toptal is all about creating simple and transparent borrowing experiences. Be ready to talk about how you've put the customer first in your product designs. Share specific examples of how you've simplified complex regulations or risk policies into intuitive user experiences.