Senior Product Manager (US Cards)

Skills this role screens for

About the role

ABOUT LENDABLE

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

• One of the UK’s most exciting unicorns with a team of over 800 people
• Among the fastest-growing tech companies in the UK
• Profitable since 2017
• Backed by top investors including Balderton Capital and Goldman Sachs
• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot https://uk.trustpilot.com/review/lendable.co.uk)

Also

JOIN US IF YOU WANT TO

• Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
• Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
• Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

The work

ABOUT THE ROLE

You'll own customer lifecycle management for US Cards. That covers everything from a customer's first transaction through every part of their relationship with us. You'll join as we prove out the book, then take it into its next phase of growth. This suits someone who wants to shape a product while it's still being defined, not inherit a finished one.

You'll be part of a small team of data-driven problem solvers. Like most teams at Lendable, it's small relative to what it runs, so you'll own decisions and their implementation rather than handing them off. The work sits close to the proprietary AI and decisioning that lets us see people as individuals rather than credit scores. You'll be expected to use AI to build, test and analyse faster than a team our size otherwise could.

The work

WHAT YOU'LL BE DOING

• Owning the product vision and roadmap: first to market parity, then past it, for our current and expanding target segment, driven by customer understanding and experimentation.
• Owning the customer lifecycle from first transaction onwards, including credit line management, spend and engagement growth, balance growth, pricing and proposition management, and retention and reactivation.
• Shaping the mobile app experience to drive activation, spend and engagement.
• Building new credit propositions alongside the core Cards product.
• Executing hands-on: writing and resolving tickets, prototyping, and owning implementation and design decisions. You'll use AI tools to build the scrappiest thing that answers the question rather than waiting for engineering capacity.
• Bringing Credit, Growth, Design, Data Science and Compliance with you, and partnering closely with US Cards Managing Director.
• Setting clear, measurable goals and judging your work by whether the numbers moved, not by what shipped. You'll champion experimentation and never ship what you can't sense-check.

Who they want

WHAT WE'RE LOOKING FOR

Also

Essential

• A track record of owning product outcomes end to end. You make tough calls under ambiguity, own them, and course-correct when the evidence turns.
• Strong analytical instinct:
• a feel for what the numbers should look like
• the instinct to notice when something is off
• the persistence to find the real driver, without taking a confident answer from a dashboard or model at face value
• Comfort working hands-on: writing and resolving tickets, prototyping, and making implementation and design decisions yourself.
• Real fluency with AI tools as a working part o