At a Glance
- Tasks: Drive product innovation and integrate data for smarter credit decisions.
- Company: Join Uncapped, a fast-growing fintech startup revolutionising lending.
- Benefits: Enjoy unlimited holiday, competitive pay, and personal growth opportunities.
- Other info: Work in dynamic offices in London, Warsaw, or Atlanta.
- Why this job: Make a real impact on entrepreneurs' lives while shaping the future of finance.
- Qualifications: 5+ years in Product Management with risk experience in fintech or lending.
The predicted salary is between 60000 - 80000 £ per year.
Hybrid based in London or Warsaw.
Role Overview
As a Product Owner at Uncapped, you will join a team of risk professionals, data scientists and engineers and you will play a crucial role in driving the company's growth and success. You will sit at the vital intersection of credit risk, financial engineering, and product innovation to deliver data–driven credit capabilities, such as decisioning engines, state-of-the-art risk models and real-time credit management tools across the entire customer lifecycle.
About Uncapped
Founded in 2019, Uncapped is a fintech company focused on providing working capital to SMEs in North America and Europe. We leverage multiple data sources to make credit decisions faster, safer and more conveniently. We are working with the largest platforms in the world, including Amazon and Walmart, and strive to be the best alternative-lender globally.
What will you do
- Product Risk Leadership: Act as the connector between Data Scientists, Credit Risk Managers and Engineers to turn complex data into production-ready features.
- Risk Strategy & Roadmap: Architect and co-own the risk product vision, prioritize high-impact features and manage the roadmap.
- Data Integration: Identify and integrate new data sources (e.g., banking APIs, marketing spend data, e-commerce platform insights) to improve credit decisioning accuracy.
- Risk Engine Ownership: Lead the strategy and roadmap for Uncapped’s risk engine that includes a decision engine for automated decisions and underwriting tooling for manual decisions, ensuring we can process applications in seconds and hours rather than weeks.
- Monitoring & Recovery: Build products and dashboards that monitor the health of the portfolio in real-time and automate early-warning signals for potential defaults.
- Customer Friction Reduction: Balance the need for deep due diligence with a world-class user experience, ensuring that 'Risk' doesn't become a bottleneck for 'Growth.'
Requirements
Who you are
- We are looking for someone with 5+ years in Product Management with Risk experience, specifically within Fintech, Lending, or Credit Risk ideally in B2B platforms.
- Commercial Acumen: A deep understanding of how lending businesses make money and how risk impacts the bottom line.
- Technical Literacy: Comfort with SQL and data models. You don't need to write the code, but you must understand how risk models and APIs work.
- Product Management: You should have a strong understanding of agile methodologies and a proven track record of self-service/automation cross-border projects.
- Experience in a fast-paced, '0-to-1' startup environment where you are expected to be hands-on and strategic simultaneously.
Benefits
What we offer
- Unlimited holiday: we believe that well-rested and happy people make the best employees.
- Competitive compensation plan.
- Personal growth fund: Raise your game from great to spectacular.
- Monthly recognition and awards: Celebrate wins big and small.
- The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
- Workspaces in Warsaw, London and Atlanta.
We can only consider applications from candidates who are eligible to work in the UK/Poland without requiring visa sponsorship.
Product Owner in London employer: Uncapped
Uncapped is an exceptional employer that prioritises the well-being and growth of its employees, offering unlimited holiday and a personal growth fund to help you excel in your career. With a dynamic work culture that fosters innovation and collaboration, you'll have the opportunity to make a significant impact on the lives of entrepreneurs while working alongside a talented team in vibrant locations like London and Warsaw.
StudySmarter Expert Advice🤫
We think this is how you could land Product Owner in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work at Uncapped or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
✨Tip Number 2
Show off your skills! Prepare a portfolio or case studies that highlight your experience in product management and risk. When you get the chance to chat with hiring managers, share how you've tackled challenges in the past.
✨Tip Number 3
Be ready for the unexpected! In interviews, you might face scenario-based questions. Think on your feet and demonstrate your problem-solving skills, especially in areas related to credit risk and product innovation.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you're genuinely interested in being part of the Uncapped team.
We think you need these skills to ace Product Owner in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the Product Owner role. Highlight your experience in product management, especially in fintech and risk. We want to see how your skills align with what we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you’re passionate about the role and how your background makes you the perfect fit. Don’t forget to mention any relevant projects or achievements!
Showcase Your Technical Skills:Since we’re all about data-driven decisions, make sure to highlight your technical literacy. Mention your comfort with SQL and understanding of risk models. We love seeing candidates who can bridge the gap between tech and product!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Let’s get started on this journey together!
How to prepare for a job interview at Uncapped
✨Know Your Product Inside Out
Before the interview, dive deep into Uncapped's products and services. Understand how their risk models work and how they integrate data sources. This will not only show your enthusiasm but also help you discuss how you can contribute to their product vision.
✨Showcase Your Risk Management Experience
Be ready to share specific examples from your past roles where you've successfully managed risk in a fintech or lending environment. Highlight your understanding of how risk impacts profitability and be prepared to discuss strategies you've implemented to mitigate it.
✨Demonstrate Technical Literacy
Brush up on your SQL knowledge and be prepared to discuss how you’ve used data models in previous projects. Even if you’re not coding, showing that you understand the technical aspects of risk management will impress the interviewers.
✨Emphasise Agile Methodologies
Since the role requires a strong grasp of agile methodologies, come prepared with examples of how you've applied these principles in your previous work. Discuss how you prioritised features and managed roadmaps to deliver impactful results in a fast-paced environment.
