Product Manager - Transfers & Payments

Moneybox; Greater London; Hybrid; GBP 70,000 - 110,000; Full time

Job summary

Moneybox is seeking a Product Manager to join our Core Product Team, shaping how customers create, manage and execute payments and transfers. You’ll work with Engineering, Design, Compliance, Operations, Marketing, Insight, and Customer Support to identify problems, shape improvements, and deliver simple, compliant experiences.

This role focuses on improving customer experience while ensuring our operations remain efficient and secure, spanning feature design, journey improvements, and back-end

Qualifications

• 3+ years' experience in Product Management delivering digital experiences.
• Strong customer and product judgement to translate needs into solutions.
• Analytical capability using data, research and insight for decisions.
• Experience working with Engineering and Design to define requirements and deliver.
• Strong communication and stakeholder management to align audiences.
• Good judgement in regulated or complex environments for customer outcomes.
• High ownership and curiosity with a proactive approach to work.

Responsibilities

• Own and maintain the Payments & Transfers roadmap with clear linkage to customer needs and business goals.
• Identify, frame and prioritise customer problems using data, feedback, insight and context.
• Lead product discovery for new opportunities, exploring needs, solutions, risks and measures.
• Define clear product requirements, user stories, acceptance criteria and success metrics.
• Collaborate with Engineering and Design throughout delivery, manage scope and unblock decisions.
• Improve key parts of Moneybox Payments & Transfers experience and backend systems.
• Partner with Compliance, Legal, Operations, Marketing, Insight and Support for compliant changes.
• Monitor product performance and customer behaviour to identify improvement opportunities.
• Communicate priorities, progress, decisions, risks and results to stakeholders.

Skills

3+ years PM experience

Strong customer judgement

Strong analytical capability

Engineering & Design collaboration

Strong communication & stakeholders

Regulated environment awareness

Ownership & curiosity

Job description

About Moneybox

At Moneybox, our mission is to give everyone the means to get more out of life. We're guided by our belief that wealth isn't about the money, it's about the means to more - more freedom, opportunities, possibilities, and peace of mind. Moneybox is an award-winning wealth management platform, helping over one and a half million people build wealth throughout their lives, whether they're saving and investing, buying their first home, or planning for retirement.

Job Brief

At Moneybox, our mission is to give everyone the means to get more out of life. This role will be responsible for our payments & transfers products and features. Ensuring customers can seamlessly and easily navigate and manage their payments and transfers, delivering efficiency and scale as we grow.

We're an award-winning wealth management platform, helping over 1.5 million people build wealth throughout their lives, whether they're saving, investing, buying their first home, or planning for the future.

In our Core Product Team, we look after the platforms, intelligence, and propositions that help every customer grow long-term wealth.

We're guided by our belief that wealth isn't about the money, it's about the means to more - more freedom, opportunities, possibilities, and peace of mind.

We're looking for a Product Manager to join our Core Product Team, helping shape how customers create, manage and execute payments and transfers.

This role will be focused on both improving and enhancing the customer experience and ensuring our operational processes remain efficient and secure. You'll span design & execution of new features and services, whilst experimenting with journey improvements plus building the back-end functionality and systems that support our infrastructure.

Reporting to the Head of Product for Core, you'll work closely with Engineering, Design, Compliance, Operations, Marketing, Insight, and Customer Support to identify customer problems, shape product improvements, and deliver simple, effective, and compliant experiences.

This role would suit someone who is customer-focused, structured, analytical, and comfortable working with complex financial products. You don't need to be a payments expert from day one, but you should be motivated to build strong domain knowledge and help customers feel more confident about navigating their finances.

What you'll do

• Own and maintain the Payments & Transfers roadmap, working with the Head of Core Product to ensure priorities are clearly linked to customer needs, business goals, and product strategy.

• Identify, frame, and prioritise customer problems, using data, research, customer feedback, operational insight, and commercial context to decide where the team should focus.

• Lead product discovery for new opportunities, exploring customer needs, possible solutions, risks, dependencies, and success measures before moving into delivery.

• Define clear product requirements, user stories, acceptance criteria, customer outcomes, and success metrics so Engineering, Design, and wider stakeholders are aligned on what we are building and why.

• Work closely with Engineering and Design throughout delivery, making trade-offs, unblocking decisions, managing scope, and ensuring the team delivers high-quality customer experiences.

• Improve key parts of the Moneybox Payments & Transfers experience, including how customers set up payments, transfer, contribute, understand their progress, and stay engaged over time, plus the back-end operational systems that support these experiences.

• Partner with Compliance, Legal, Operations, Marketing, Insight, and Customer Support to ensure product changes are compliant, operationally robust, clearly communicated, and designed with good customer outcomes in mind.

• Monitor product performance and customer behaviour, using insight to identify opportunities to iterate, optimise, and improve the experience over time.

• Communicate clearly with stakeholders, sharing priorities, progress, decisions, risks, trade-offs, and results in a way that keeps teams aligned.

Experience and skills

Essential

• 3+ years' experience in Product Management, ideally delivering digital customer experiences that improve conversion, engagement, retention, or customer understanding.

• Strong customer and product judgement, with the ability to understand customer needs, break down complex problems, and turn them into useful product experiences.

• Strong analytical capability, with confidence using data, research, and customer insight to identify opportunities, define success metrics, and make evidence-led product decisions.

• Experience working closely with Engineering and Design teams to define requirements, make trade-offs, and deliver high-quality customer-facing products.

• Strong communication and stakeholder management skills, with the ability to explain problems, decisions, risks, and recommendations clearly to different audiences.

• Good judgement in a regulated or complex environment, with an understanding of the importance of customer trust, risk management, and good customer outcomes.

• High ownership and curiosity, with a proactive approach to driving work forward and a willingness to build knowledge of pensions, retirement, and long-term financial planning.

Nice to have

• Experience in fintech, financial services, wealth, payments, transfers, or another regulated environment.

• Experience with experimentation, funnel optimisation, behavioural insight, or product-led growth.

Our Commitment to DE&I

At Moneybox, we promote, support and celebrate inclusion, diversity and equity for all, so that everyone can bring their full selves to work. We believe that diversity drives innovation, and that if our team is representative of our community of customers, we can better support their needs. To ensure our recruitment processes provide an equal opportunity for all applicants to succeed, we encourage you to let us know if there are any adjustments that we can make. We are open-minded and always willing to go the extra mile to ensure all applicants can present their full self and potential.

Working Policy

We have a hybrid policy that includes 2 days from our London office and 3 from home. If the role states it is either hybrid or remote candidates must be based within the UK.

Visa Sponsorship

At this time we cannot offer visa sponsorship for this role and we cannot consider overseas applications.

Please read before you apply!

Please note if offered a position, the offer is conditional and subject to the receipt of satisfactory pre-employment checks which we will conduct such as criminal record and adverse credit history checks. As a regulated financial business, an adverse financial history could impact your suitability for the role. If you are aware of anything that could affect your suitability for the role, please let us know in advance.

By sending us your application you acknowledge and agree to Moneybox using your personal data as described below. We collect applicants' personal data to manage our recruitment related activities. Consequently, we may use your personal data to evaluate your application, to select and shortlist applicants, to set up and conduct interviews and tests, to evaluate and assess the results, and as is otherwise needed in the recruitment process generally.We do not share your personal data with unauthorised third parties. However, we may, if necessary, share your personal data to carefully selected third parties acting on our behalf. This may include transfers to servers and databases outside the country where you provided us with your personal data. Such transfers may include for example transfers and/or disclosures outside the European Economic Area and in the United States of America.

We collect applicants' personal data to manage our recruitment related activities. Consequently, we may use your personal data to evaluate your application, to select and shortlist applicants, to set up and conduct interviews and tests, to evaluate and assess the results, and as is otherwise needed in the recruitment process. If you are unsuccessful in your application, we may keep your details on file so that we can tell you about other suitable vacancies which may be of interest to you when they arise in the future.