Digital Credit Product Manager - Financial Services (12M FTC)

Sainsbury's; Greater London; On-site; GBP 40,000 - 60,000; Full time

Benefits offered by this job

Employee discount

Pension scheme

Life cover

Performance-related bonus

Annual holiday allowance

Employee assistance programme

Job summary

A leading UK retailer is seeking a Digital Credit Product Manager to enhance customer journeys and manage credit products across various platforms. This role entails collaboration with internal teams and major financial partners, and requires experience in digital product management and payments. Candidates should be data-driven, customer-focused, and eager to take ownership of their responsibilities. The position offers a dynamic environment with opportunities for professional growth and development.

Qualifications

• Experience in digital product management, credit, payments, financial services, or a closely related role.
• Understanding of digital customer journeys and checkout experiences in retail.
• Ability to update customer‑facing digital copy while balancing clarity and regulatory requirements.

Responsibilities

• Lead optimisation of digital credit journeys at checkout.
• Support delivery of the POS credit product roadmap.
• Analyse performance data to inform product decisions.
• Ensure compliance with credit communications and eligibility messaging.
• Manage promotional credit offers on the website.
• Collaborate with various teams for product improvements.
• Support day-to-day partner delivery and performance tracking.

Skills

Digital product management

Credit and payments

Stakeholder management

Data analysis

Job description

We’d all like amazing work to do, and real work‑life balance. That’s waiting for you here at Sainsbury’s. For a FTSE business, we move incredibly fast. When we’re not leading projects, we’re supporting teams across the wider group to achieve their goals. And here, you can see the impact of your work as soon as you walk into a store, giving you a real sense of purpose and responsibility. Better still, the team around you will listen to your ideas and opinions, and you’ll have every chance to try something new. The scale and complexity of our business mean there’s always something new to learn, and we’ll support you every step of the way. We’re trusted to get on with it. So get ready to make things happen.

About The Job

This is a great opportunity for a developing Product Manager to step into a hands‑on digital role within Sainsbury’s Financial Services, working on credit and point‑of‑sale finance across Argos. You’ll focus on improving key customer journeys and experiences at checkout, working closely with internal teams and established partners such as NewDay, Klarna and PayPal. The role offers real exposure to digital credit products in a regulated environment, with strong support from senior product, commercial and risk colleagues. This role is well suited to someone who has experience in digital product delivery, payments or financial services and is looking to broaden their skills, take on more ownership, and build confidence managing stakeholders in a complex environment.

Why Join Us

Joining the Financial Services team at Sainsbury’s means joining a business where you can make things happen. As Digital Credit Product Manager, you’ll gain hands‑on experience working on live digital credit products used by millions of customers, exposure to major financial services partners, and the opportunity to develop your product management capability in a supportive environment. This is a hands‑on product role with real ownership — ideal for someone looking to grow their product career, broaden their experience in digital credit, or step into a role with greater influence and visibility. You’ll be part of a team that values integrity, customer‑centricity and continuous improvement, and you’ll be supported every step of the way.

What You’ll Do

• Lead optimisation of specific digital credit journeys at checkout, identifying opportunities to improve customer experience and conversion
• Support the delivery of the POS credit product roadmap, working with senior product leads and partners to prioritise enhancements
• Analyse performance data (e.g. funnel drop‑off, conversion, approval insight) to inform product decisions and recommendations
• Work with Risk and Compliance teams to ensure credit communications, disclosures and eligibility messaging are correctly implemented and approved
• Configure and manage promotional credit offers on the Argos website, ensuring they are accurately set up, tested and aligned with agreed plans
• Collaborate with UX, Engineering, Commercial and Risk teams to deliver improvements from discovery through to release
• Support day‑to‑day partner delivery and performance tracking, escalating issues and risks where appropriate
• Contribute insight and recommendations into wider POS Finance discussions and initiatives

Who You Are

• You’re a product‑minded individual who enjoys working on digital customer journeys and improving real‑world experiences. You’re comfortable working with data, collaborating across teams, and learning how to balance customer needs with commercial and regulatory considerations.
• You may not have owned a full product end‑to‑end before, but you’re confident taking responsibility for defined areas, asking the right questions, and working with more experienced colleagues to deliver outcomes.

Essential Criteria

Experience & Knowledge

• Experience in digital product management, credit, payments, financial services, or a closely related commercial role
• Understanding of how digital customer journeys, credit decisioning and checkout experiences work in a retail or FS environment
• Experience updating customer‑facing digital copy within online journeys, balancing clarity, customer outcomes and regulatory requirements

Skills & Capabilities

• Ability to draft, review and iterate on customer‑facing journey copy (e.g. eligibility messaging, promotional content, explanatory text) to improve customer understanding and outcomes
• Comfortable working with multiple stakeholders and external partners, with support from senior colleagues
• Confident communicator who can explain issues clearly and escalate appropriately
• Organised and pragmatic, with the ability to manage competing priorities in a fast‑paced environment
• Curious and outcome‑focused, with a desire to learn and continuously improve

Behaviours

• Customer‑centric and commercially aware
• Collaborative, proactive and delivery‑focused
• Comfortable navigating a matrixed organisation and working across multiple teams

We are committed to being a truly inclusive retailer so you’ll be welcomed whoever you are and wherever you work. Around here, there’s always the chance to try something new — whether that’s as part of an evolving team or somewhere else across the business - and we take development seriously and promise to support you. We also recognise and celebrate colleagues when they go the extra mile and, where possible, offer flexible working. When you join our team, we’ll also offer you an amazing range of benefits. Here are some of them:

Starting off with colleague discount, you'll be able to save 10% on your shopping online and instore at Sainsbury's, Argos, TU and Habitat, and we regularly increase the discount to 15% at points during the year. We've also got you covered for your future with our pensions scheme and life cover. You'll also be able to share in our success as you may be eligible for a performance‑related bonus of up to 10% of salary, depending on how we perform.

Your wellbeing is important to us too. You'll receive an annual holiday allowance and you can buy up to an additional week's holiday. We also offer other benefits that will help your money go further such as season ticket loans, cycle to work scheme, health cash plans, salary advance (where you can access some of your pay before pay day) as well access to a great range of discounts from hundreds of other retailers. And if you ever need it there is also an employee assistance programme.

Moments that matter are as important to us as they are to you which is why we give up to 26 weeks’ pay for maternity or adoption leave and up to 4 weeks’ pay for paternity leave.

Please see www.sainsburys.jobs for a range of our benefits (note, length of service and eligibility criteria may apply).