Product Manager (US Cards)

Job description

## 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: - 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)) 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:** 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:** Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions 3. **Build the best technology in-house**: we use new data sources, machine learning and AI to make machines do the heavy lifting In six years, Lendable has built a profitable, market-leading credit card in the UK. In 2023, we brought that playbook to the US and set an even higher bar. This year the US credit card business scaled rapidly: our run rate grew more than 20x in the last six months. A lot of the work of getting customers through the door is in place. The next stage is about what happens once they’re in: helping them pay on time, giving more credit to the ones who earn it, getting people back on track when they fall behind, and ensuring an intuitive user experience across channels. If you're excited by fintech, lending and scaling products in a fast-moving environment, this role offers real ownership, impact and room to grow. ## **About the role** We're hiring a Product Manager to join the product team, and will cover post booking areas including payments, collections, credit limit increases, spend, and the mobile app. No two weeks look the same. One week you might be sizing an opportunity, the next week sitting with the ops team to understand why customers are calling, or putting a rough version of an idea in front of real customers before anyone builds the proper one. We care more about how quickly we learn than how polished the first attempt looks. ## **What you'll work on** - Running experiments across the customer lifecycle, such as how and when we remind people to pay, what gets them to set up autopay, and how we gamify engagement - Working with credit risk and data science on how to apply models to new use cases and opportunities - Finding cheap, fast ways to test an idea (a manual process, an email, a script) with AI before committing engineering time to it - Gathering customer research to get truthful and unbiased reads - Building tools and automations with AI that save time for you, the ops team and the wider business - Doing whatever it takes to get something live, including the unglamorous parts like unblocking developers, socializing with legal and compliance, or writing the guide for the ops team ## **What we're looking for** Don’t worry if you don’t meet all these criteria. We'd love to talk to any great candidate that is excited, inquisitive, and a go-getter. - 1-4 years in product, strategy, analytics, consulting or operations, with some time spent working closely to product or execution teams to deliver value - You ask a lot of questions and you're not satisfied until you understand why something is happening - You enjoy forming a hypothesis and finding the quickest way to test it, even if the first version is rough - You're comfortable with data: you can write SQL or Python and answer your own questions - You're already using AI tools like Claude Code, Cursor or Codex in your work or side projects, and you want to see how far they go - You're happy to pick up the small jobs, understanding that as a lean product team no job is too unworthy of our attention - You like days that look different from each other - Bonus: experience in lending, payments, fintech or a fast-growing startup Keep in mind: you will ***not*** be a fit for this role if you're looking for a well-defined backlog to manage, or you'd rather wait until a problem is fully specified before starting on it. Much of what we work on starts as a loose question with multiple options possible. ## **AI at Lendable** We want to build the most AI-forward financial services company in the world. PMs here make their own dashboards to answer questions that used to need an analyst, build their own agents and workflows to take care of repetitive work, and ship straightforward changes to production themselves. You don't need to be an expert on day one, but we'll expect you to keep pushing what one person can do. ## **Your team** You'll report to the Senior Product Manager for Customer Management, and work most closely with: - A developer and design team split across London and Europe, covering frontend and backend - A data science team building models specific to the US business - A credit risk team - A growth team - An operations team The team spans our London office, remote engineers in Europe, and our office in Arlington, Virginia, near DC, which you'll visit. ## ## **Life at Lendable** - No one here is limited to their lane. If you want to pick up credit analysis, prototype a feature or fix something in ops, you will be supported. - Work from home Mondays and Fridays, and be in the office Tuesday to Thursday, with lunches prepared by our top-tier in-house chefs - Top-tier private health insurance - Offsites for the US Cards product and engineering team, and an annual whole-company trip abroad (previously Turkey and France) ## **Interview process** We respect your time and move quickly: 1. Intro call (remote) - 30 minutes with the hiring manager 2. Take-home exercise (remote) - a practical product challenge in your own time, followed by a video debrief with two members of the product team 3. Final round (in our London office) - typically with the CPO and US Cards MD, Engineering Manager, Head of Product and hiring manager ## Life at Lendable - **Winning team:** the opportunity to scale up one of the world’s most successful fintech companies - **Flexible working:** flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites - **Socials & connection:** opportunities and events to come together, socialise, and get to know each other beyond the office walls - **Health coverage:** support for your physical and mental wellbeing, including private health cover - **Retirement & savings:** long-term financial wellbeing through retirement savings plans - **Employee referral programme:** earn a competitive bonus when you refer successful new team members - **Office meals & snacks:** enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations - **Sustainable commuting:** cycle-to-work and electric vehicle salary sacrifice schemes available in select locations ***Please note:** The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.* Check out our [blog](https://blog.lendable.co.uk/)!