At a Glance
- Tasks: Lead product strategy and integrate data for innovative credit solutions.
- Company: Join Uncapped, a fast-growing fintech revolutionising SME funding.
- Benefits: Unlimited holiday, competitive pay, personal growth fund, and monthly recognition.
- Other info: Hybrid role based in London or Warsaw with excellent career growth opportunities.
- Why this job: Make a real impact on entrepreneurs' lives while working with cutting-edge technology.
- 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.
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.'
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.
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 employer: Uncapped
Uncapped is an exceptional employer that champions innovation and growth, offering a dynamic hybrid work environment in vibrant cities like London and Warsaw. With unlimited holiday, a competitive compensation plan, and a personal growth fund, employees are empowered to thrive both personally and professionally. Join a collaborative team where your contributions directly impact the success of SMEs across Europe and North America, all while enjoying a culture that celebrates achievements and fosters continuous development.
StudySmarter Expert Advice🤫
We think this is how you could land Product Owner
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Uncapped. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Product Owner
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Uncapped.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Uncapped's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Uncapped
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Uncapped.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Uncapped will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Uncapped employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
