About Lendable

Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s newest unicorns with a team of just over 600 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)

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.

Join us if you want to

1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1

2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

About the role

We’re looking for an experienced, strategic, and data-driven Product Manager (PM) to join our Credit Card Product team. We launched our Credit Card in the UK in 2020 and in the US in 2024. We are now working on scaling our customer base exponentially. As a member of the Product team, you will play a key role in helping us achieve our ambitious goals.

The Zable credit card is a Mobile App-first product targeted at the credit builder customer segment in the UK and the US. We give customers the power to build their credit rating over time while offering them a flexible line of credit that meets their spending needs sustainably.

This role will cover all aspects of credit card product management, and you will be given the freedom to define new features and manage projects end to end, including:

• Shaping our mobile App experience to empower customers to manage their finances

• Optimising how we acquire new customers for speed and efficiency

• Improving our underwriting capabilities to support best-in-class credit decisions

• Building tools which maximise efficiency for our Customer Service and Fraud teams

• Finding new ways to support customers who may be experiencing financial difficulty

PMs at Lendable work closely with teams such as Engineering, Credit, Growth and Operations to drive their product and take the business to the next level. It’s your job to break down complex tasks into bite sized deliverables and prioritise projects according to their maximum impact. While high quality delivery is a key part of this role, we encourage all our teams to look at the big picture and help Lendable grow.

What we're looking for

• Experience in a product, analytical or commercial role within Tech, Finance or Management Consulting

• Bonus: Experience working in start-up/scale-up environment preferred but not required

• Bonus: Experience in credit cards, lending, or fintech is a plus, but not a requirement

• A bias for action: you move fast, get things done, and iterate quickly based on feedback

• Possess high attention to detail and a “sweat the small things” approach to delivering a high quality product to our customers

• Are data-driven: you are comfortable challenging assumptions or being challenged to ensure good decisions are supported by data.

What you'll be working on

• Own and drive the strategy, execution, and growth of a vertical within our expanding cards business.

• Managing the delivery of our credit card proposition; define product roadmaps, break down complex problems into actionable steps, and prioritise ruthlessly based on impact.

• Champion data-driven decision-making, measuring outcomes, and iterating quickly based on learnings.

• Working alongside other Product Managers and an Engineering Team to define the product roadmap

• Testing and measuring the impact of new releases and experiments

• Liaising across teams (data science, Operations, developers etc.) to deliver new features and ideas

• Navigate a fast-paced, evolving fintech landscape, balancing innovation with compliance and risk management.

• Partnering with design to ensure our customers’ needs are always at the heart of what we’re building
  

How you will contribute to the Product Team’s objectives

• Autonomy; you are comfortable managing a product line

  • Prioritising product features independently

  • Creating new features based on discussions and requirements from the wider business

  • Running standups and weekly planning sessions with the engineering team

  • Being accountable for product delivery and the commercial impacts

  • Collaborating with other business teams, allowing you to make many small decisions that impact features within the product

  • Optimising developer time with an engineering mindset to maximise business impact

  • Identifying bottlenecks early and working out the dependencies that may block the product development well ahead of time

• Problem solving; consistently breaking down complex business problems into bite sized chunks. Complex tasks don’t intimidate you and you are able to break down a complex problem into parts

• Analysis; you have experience with numerical analysis - at least excel, ideally some SQL. We will teach you the tools (SQL), but you need to feel very comfortable with numbers. You have used data to drive real-world actions

• Communication and leadership skills; you can communicate clearly and succinctly, orally and in writing; you enjoy a lively discussion. You effortlessly adjust your communication to suit your audience, from business owners to engineers. You don’t have a massive ego and you are happy to change your mind when presented with a good argument

• Collaboration; you have established close relationships with key stakeholders across data science, developers, compliance, customer service allowing you to quickly assemble cross functional teams for product delivery

• Working at speed; you make things happen. You are not afraid to roll up your sleeves and take responsibility for implementation and design decisions. You work at speed and enjoy a healthy dose of pressure

• Process management; a solid understanding of the software development life cycle and how product can support each stage

• Agility; not just Agile (Scrum or Kanban would be nice) but adaptability to thrive in an unstructured, fast-moving and constantly evolving high growth environment

Interview process

• A Quick introduction call with someone from the Talent Team or Product Team

• A take-home exercise to complete in your own time + take-home debrief (via video)

• Final rounds:

1. Cultural Interview with some wider team leads

2. MD interview

3. Head of Product / Group PM interview

4. CPO

Life at Lendable

• The opportunity to scale up one of the world’s most successful fintech companies.

• Best-in-class compensation, including equity.

• You can work from home every Monday and Friday if you wish - on the other days, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.

• Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.

• We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance

• We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London

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