Senior Product Manager [Credit Products]

Who we are: TrueLayer is Europe’s fastest-growing Pay by Bank network. We power smarter, safer and faster payments by combining real-time bank payments with financial and identity data. E-commerce, iGaming and Financial Services businesses use our products to onboard new users, accept money and make payouts in seconds, and at scale. Live across 22 countries and with 1 new user joining TrueLayer’s Pay by Bank network every 3 seconds, we’re in a very exciting growth stage. This is why we’re expanding the team across our offices in London, Milan, and Dublin. Listed in Sifted as one of the 100 fastest growing start-ups in UK & Ireland, and CNBC’s World Top Fintech Companies, we’re trusted by industry leaders like RyanAir and Just Eat Takeaway for continued innovation within our payment products. To date, we’ve raised over $300 million from world-renowned investors including Stripe, Tiger Global, Northzone, and Tencent. But this is just the beginning.

Description: As Senior Product Manager – Credit, you’ll help shape the strategy and execution of TrueLayer’s nascent Credit products working closely with a world-class team of engineers, PM’s and designers. You’ll operate at the intersection of technology, regulation and partnership, collaborating with merchants, platforms and internal teams to design experiences that feel effortless, even when delivered through complex integrations.

As our Senior Product Manager, you will:

• Lead the zero-to-one product vision and roadmap for our new credit offering, defining the journey from application and automated underwriting through to disbursement and repayment.
• Partner with external data providers, bureaus, and financial partners to design high-performance integrations that power real‑time credit decisions.
• Work cross‑functionally with Frontend, Backend, and Design to build a world‑class credit experience that feels seamless to the end‐user while maintaining institutional‑grade back‑end reliability.
• Build and run a comprehensive Go‑To‑Market (GTM) strategy, collaborating with Commercial and Product Marketing teams to move the product from initial pilot to a market‑leading position.
• Collaborate deeply with Fraud, Risk, and Compliance to bake security and regulatory requirements into the product architecture, ensuring we scale safely without compromising the user experience.
• Directly engage with customers to validate pain points in existing credit solutions, using those insights to prioritize features that drive immediate value and long‑term stickiness.
• Establish the tracking and analytics foundation for the product, defining the metrics that will measure success for both the customer (conversion, UX) and the business (portfolio health, default rates).
• Own the sprint planning and backlog for your dedicated engineering squad, navigating the trade‑offs between rapid feature delivery and technical scalability.

About You: Demonstrable senior product management experience, with a proven track record of launching and scaling new products within fintech, lending, or highly regulated environments. Relevant experience in the credit or lending lifecycle, including an understanding of the credit licensing and rules environment. Knowledge of origination, risk modeling, and the nuances of receivable financing or revolving credit would be valuable. A "Builder" mindset, comfortable starting with a blank sheet of paper and creating the clarity and momentum required to bring a complex financial product to market. Technically fluent and API‑first; you understand how to leverage infrastructure and third‑party integrations to create a competitive advantage in credit decisioning. Expert at cross‑functional orchestration, with the ability to align the "move fast" energy of engineering and design with the "calculated risk‑taking" approach from a legal and compliance perspective. Data‑driven and experimental, skilled at using both quantitative metrics and qualitative customer feedback to iterate on a product in the face of ambiguity. Exceptional communicator who can distill the complexities of credit risk and financial regulations into clear, actionable goals for your team and stakeholders.

Don’t meet all the requirements? Multiple studies have shown that women and people of under‑represented groups are sometimes less likely to apply to jobs unless they meet every single requirement. At TrueLayer, we are committed to building a diverse workforce, so if you are excited about this role and have the essential skills, but not the entire checklist — we’d still love to hear from you!

Benefits:

• Meaningful equity in the company.
• Flexible hours and hybrid working. Split your time 50/50 between working from home and our welcoming offices in London and Milan, spending 2-3 days per week in the office.
• A one‑off remote‑working budget to help you set up your home office.
• 24 days holiday as standard with flexible bank holidays, so you can take those days whenever you like.
• 12 fully‑paid wellbeing days a year and your birthday off (on top of the holiday allowance).
• 2 volunteering days to support causes important to you.
• 90‑day ‘work from abroad’ policy.
• Generous parental leave, above and beyond statutory requirements.
• Competitive pension contribution at 4% & 4%.
• Private health insurance from the day you start.
• Membership of mental wellbeing platform Spill.
• A £1000 budget to spend on learning & development each year.
• Free lunch from Just Eat 3 days a week when you are in the office.

At TrueLayer, we don’t just do inclusion and diversity. We embrace people that have different opinions, perspectives and personalities. Because we believe that by seeing the world from all sorts of angles, we can make life better for all the people who live in it. We strongly encourage applications from under‑represented groups (e.g. people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from all socio‑economic backgrounds). If you’d like to discuss alternative working patterns, please let us know. We will always aim to make appropriate adjustments to ensure we are fully inclusive to people with different needs during our interview process. So if you need us to make any adjustments to suit your individual needs, we’ll be happy to support you.