Product Manager — Fintech

Letly Ltd.; Greater London; On-site; GBP 70,000 - 110,000; Full time

Job summary

Letly Ltd. is seeking a mid-to-senior product leader to own the money surface end to end—from landlord accounts to statements and ledger. You will own the surface that touches real tenancy money and operate in a real fintech environment. This is a mid-to-senior role, with scope to shape patterns and architecture with engineering.

You will drive account UX, rent collection, payouts, deposits and production money agents, balancing speed with compliance as the product stays simple.

Qualifications

• 3+ years owning product end to end in a high-growth environment, including a zero-to-launch delivery.
• Fintech background with experience in payments, banking or related financial services.
• Ability to discuss system design, APIs, data models and failure modes with engineers.
• Analytical and data-driven, prioritising impact and measurable outcomes.
• Operational literacy to align product decisions with business processes.

Responsibilities

• Own account UX and achieve parity with neobanks to retain landlord money.
• Oversee rent-in collection across thousands of tenancies and the surrounding tenant product.
• Manage money-out processes: landlord payouts and precise, timely statements.
• Govern deposits and custodial money with compliant but simple controls.
• Define and deploy production money agents, guardrails and handover points.

Skills

Product ownership

Data-driven analysis

AI-native mindset

Fintech background

System design discussion

Education

Technical degree

Job description

The role

You’ll own Letly’s money surface end to end — landlord bank accounts, rent collection, deposits, landlord payouts, statements and the ledger underneath them — the product and the operation running on it. We don’t sell software to this industry, we run the industry ourselves: every product decision you make lands in a real tenancy, a real payment and a real operator’s day. We want someone who has built in fintech and knows what breaks when money moves.

This is a mid-to-senior hire. At mid you own a surface and ship it. At senior you own a surface others depend on — you set the product patterns, take the architecture-shaped calls with engineering, and raise the bar around you.

What you’ll own

• Account UX. Feature parity with neobanks so landlords keep their money with us rather than moving it to another account — rebuilt AI-Natively.

• Rent in. Collection across thousands of tenancies — mandates, retries, part-payments and arrears — and the tenant-facing product wrapped around it.

• Money out. Landlord payouts and statements: right to the penny, on the day we promised, and legible to a landlord who is not an accountant.

• Deposits and client money. Custodial schemes, pooled client accounts and the controls that keep us compliant while the product stays simple.

• Money agents in production. Agents that chase arrears, answer “where is my rent”, and elevate to a human. You decide what they’re allowed to do, what the guardrails are, and where the handover sits.

How we work

• You get your own answers — query the data, read the tickets, sit with ops, do the job manually once before you specify it.

• You use AI across your own work: research, specs, prototypes, analysis. We expect a PM to operate AI-Natively and run product operations.

• Weekly release cadence, decisions written down, evidence over opinion.

What we’re looking for

• 3+ years owning product end to end in a high-growth environment (more, for senior), including at least one thing you launched from zero.

• Technical range: you can intelligently discuss system design, APIs, data models and failure modes, and engineers respect your judgement.

• You do your own analysis — you’re comfortable in the data and you prioritise on expected impact, not on who asked.

• Operational literacy: you can design a process and a product together, and you know which of the two is the right fix.

• AI-Native: you use models expertly, and you can specify an agentic product — scope, guardrails, evals and failure modes included.

• Fintech background: you’ve owned a payments, lending, insurance or banking product, and you treat reconciliation, failure paths and regulatory constraints as product problems rather than edge cases.

• Senior: a track record of owning a surface others depended on, and of raising the standard of the people around you.

Nice to have

• Marketplaces or operations-heavy businesses with a supply side to manage.

• First PM into a company, or a technical degree / having shipped code yourself.

Who does well here

• You own the number, not the roadmap — the roadmap is a means to it.

• You go to the operation — the answer is in the customer, the call recording and the ledger, not in the backlog.

• You decide — with incomplete information, in writing, and you revisit when the evidence changes.

• You compress — you’d rather delete a step than design a screen for it.

Why apply

Letly is the AI-Native operating company built for the home. We believe the home will be autonomously run by AI and we’re building the software that will run all rental properties end-to-end, starting with London (the world’s 2nd largest rental city).

You’ll get to own the whole loop: build the software, run the operation on it, and watch the unit economics move. You own the output metric, not just the process. The domain is the largest financial relationship in most people’s lives and for the first time in history, technology enables us to crack it. The surface you own will be one of the first parts of it to run itself.

We’ve raised a $4m pre-seed from investors who’ve built the financial and operational infrastructure that moves billions and serves millions. They backed us because the home is the largest consumer asset where that infrastructure hasn’t been built yet. You’ll get competitive base pay, meaningful equity, and a small, high-agency team rebuilding an industry and growing at >100% month-over-month. We’re hiring to facilitate this aggressive growth.