Principal Product Manager, Platform Capabilities

Funding Circle UK; Greater London; Hybrid; GBP 120,000 - 170,000; Full time

Benefits offered by this job

Barista coffee on-site

subsidised Just Eat lunches

Flexible-first approach

Job summary

Funding Circle is seeking a senior platform-focused leader in London (hybrid) to own the strategy and roadmap for core platform capabilities used across the business. You will drive migrations, partner with Architecture, Engineering and Product leads, and champion change management with Risk, Operations and Sales teams.

You will work with an AI-native mindset to design and build responsible platforms that accelerate delivery and protect data, identity, and access across the fintech ecosystem.

Qualifications

• Must be able to own and articulate platform strategy and roadmap.
• Experience migrating users/systems and driving adoption across teams.
• Able to communicate with Architecture, Engineering, and Product leadership.
• Experience writing and presenting compelling roadmaps to diverse stakeholders.
• Ability to balance product, risk, and operations considerations in fintech.

Responsibilities

• Set the strategy and roadmap for core platform capabilities used by multiple teams.
• Own migrations and manage when to commit teams to a new version.
• Partner with Architecture, Product Engineering and Product leads on Loans, FlexiPay and Cards.
• Lead regular discovery with other functions to drive change management and adoption.
• Define success metrics to ensure faster shipping and team independence.

Skills

Strategy ownership

Migration experience

Communication with leadership

AI-native approach

Cross-functional collaboration

Job description

We’re on a mission to back the UK’s small businesses like no other

Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.

At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.

We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.

The impact is real:

Last year alone, the businesses on our platform generated £7.2bn for the UK economy.

The role

Location: London (Hybrid). 2 days in the office. Competitive Salary + Benefits.

We’ve grown from a single loans product into a multi-product lending and spending platform, and every product on it runs on the same handful of shared capabilities: the customer data we hold, the interactions with third parties like credit agencies & open banking, identity and access that keeps it all secure, CRM that keeps our customer facing teams running, and the engineering platform everything is built with. Get those right and all the other teams are faster, happier and more productive!

• Really understanding our internal customers like Risk, Operations, Sales and other Engineering teams; not just other Product teams. They have competing priorities and don't always neatly align. Working out what to build means understanding several functions properly, seeing where they're going, and making the call for the future of Funding Circle
• Set the strategy and roadmap for the platform capabilities the rest of the company builds on. Identity and access, the services that tell every team who a customer is and the engineering platform that makes our products tick
• Owning migrations and deciding when this option makes sense, and when it does committing and getting teams off the old version of something and onto the new one. This is often where platform work succeeds or fails
• Partner with Architecture, Product Engineering and with the Product leads on Loans, FlexiPay and Cards, so your roadmap and theirs are one aligned conversation
• Large focus on regular discovery with other functions, on the change management that gets them to adopt, and on deciding what to build next
• Success in this role will be measured on whether the teams using these capabilities ship faster, whether they can solve their own problems without coming to you, and whether the migrations you start actually finish

What We’re Looking For

• Experience owning something other teams depended on by earning their adoption; not mandating it
• Enough technical depth for a straight conversation with Engineers about trade-offs, interfaces, and what a migration will cost, without losing sight of when to hand off technical decisions to them
• You can hold your own with Risk, Operations or Sales, with no authority over any of them. You go and find their next problem. You don't wait for a ticket
• Considered as AI-native, having built with Claude Code or Codex or similar, and you bring that into how you and your team design and build to support and not replace the core disciplines and values of good product management
• Ability to write and present clearly enough to get Architecture, Engineering, and Product leadership behind the same roadmap

Skills We’d Love To See

• Experience working in fintech, or another regulated business with operational complexity
• Experiecne running a migration off a system people were attached to, and lived to tell the tale
• Strong understanding of the complexities of a regulated business and treat auditability and data protection as design constraints, not a review at the end

We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.

Why join us?

We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a 'best of both' approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!

Our Circler Proposition Focuses On Five Areas

• Flexibility: We provide a benefit allowance you can tailor to your own life and family.
• Health: This includes private medical and dental, health assessments, and access to a digital GP.
• Wealth: We offer life assurance, share schemes, and financial coaching.
• Development: You get a dedicated annual learning allowance to help you level up.
• Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.