Senior Product Manager

Capital on Tap

Greater London

Hybrid

GBP 65,000 - 90,000

Full time

37 hours ago

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Benefits offered by this job

Private healthcare

Global travel insurance

Sabbatical leave

Pension scheme 7% match

EV salary sacrifice

28 days holiday

Learning budget

Parental leave

Cycle to work

Dog-friendly offices

Free drinks & snacks

Job summary

Capital on Tap is seeking a Product Manager to own an area end-to-end, working closely with engineering and design to deliver customer-focused outcomes. You will drive decisions with data, own the domain, and collaborate across teams to ship high-impact features from London—hybrid work with 3 days in the office.

The ideal candidate has 5+ years in product management, strong facilitation, and proven ability to lead multiple workstreams with stakeholders at all levels.

Qualifications

5+ years of product management with autonomous ownership.
Proven data-driven decision making.
Strong domain mastery and customer insight.
Excellent facilitation and cross-functional collaboration.
Experience leading multiple concurrent workstreams.

Responsibilities

Own an area end-to-end and make calls without full sign-off.
Be the peer voice for leadership in your area.
Bring deep subject mastery of your domain.
Distill complexity into clear discussion points.
Steer conversations toward desired outcomes with context.
Manage multiple workstreams while keeping timelines.
Line-manage PMs or APMs depending on scope.

Skills

Product mgmt

Autonomy

Data-driven

Stakeholder mgmt

Cross-functional

Engagement with Eng

Job description

We're Capital on Tap Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier. 1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We've done a pretty good job so far, but we're just getting started!

Location: London | 3 days in office

Product at Capital on Tap

Our Product team sits at the heart of everything we build. We move fast, work closely with engineering, and obsess over outcomes for our customers.

Money movements and Banking products – our business banking proposition
Credit Products & Collections – credit lines, limits, pricing and collections
Customer Experience – the ongoing relationship customers have with us after activation
Operational Excellence – the tools and processes that make our internal teams more effective
Acquisition & Onboarding – how new and existing customers sign up and get activated
Fraud & FinCrime – protecting customers and the business from fraud and financial crime
Platform – the shared capabilities and infrastructure that other product areas build on

What You'll Be Doing

Owning an area end-to-end: making most product calls yourself, without seeking sign-off. You consult on the high-stakes calls and decide-and-inform on the rest
Acting as the peer voice on your area for leadership, not the delegate who brings back options
Bringing subject matter mastery that goes deeper than anyone else in the company on that area — you already know the competitive discourse, the customer pulse, and which questions actually matter versus which are noise
Spotting within minutes whether a new idea has been tried before, whether it fits, and what the real trade-off is
Distilling complexity into well-framed discussion points that let stakeholders and engineers contribute meaningfully, rather than needing to be talked through everything
Steering conversations toward the right outcome without needing to be right yourself, and giving others just enough context, just in time, so they stop chasing you for updates
Carrying multiple workstreams without dropping any of them — production stays clean, timelines hold or shift with early warning, and surprises don't land on your manager's desk
Absorbing noise so engineers can work in flow, and keeping scope honest
Depending on the scope of your area, you may line-manage PMs or APMs

What We're Looking For

5+ years of experience in product management, with a proven track record of owning an area autonomously and having your decisions stick without review
A gut that's earned trust because it's been right before, backed with data rather than hidden behind it
Subject matter mastery: you can walk into a conversation about your domain and already know where it's going
Strong facilitation and communication skills — you can take a complex problem and turn it into something others can act on
A track record of carrying multiple concurrent workstreams to delivery without things slipping quietly
Comfort working across both front-end user experience and back-end system architecture
Either existing knowledge of financial services and compliance concepts (for example KYC, KYB, IDV), or direct journey optimisation experience, ideally both
Experience partnering with Engineering and Design to communicate direction to stakeholders, up to leadership level
Prior experience line-managing PMs or APMs is a plus, though not required for every area

Our Hiring Bar

Ships fast to customers – Gets things live quickly rather than over-polishing before release. Comfortable with iterative, incremental delivery.
Deals with ambiguity, adapts when priorities or requirements shift – Doesn't need a fully-formed brief to start moving. Handles the plan changing mid-flight without getting stuck.
Commercial acumen – Understands the business, the strategy, and how their product area drives outcomes such as revenue, retention or cost, not just delivery for its own sake.
Hungry to learn, no ego – Wants to develop, asks questions, takes feedback well.
AI curious – Actively uses or explores AI tools in their day-to-day work, rather than treating it as someone else's job.
Strong exec-level communication – Confident presenting up, comfortable being challenged, backs decisions with evidence rather than opinion.
Self starter – Moves without waiting to be told or chased. Takes ownership of problems even outside a strict brief.
Depth – Can go beyond the surface on their own product area – understands the mechanics, edge cases and trade-offs, not just the headline feature.

Interview Process

Stage 1: A quick 30-minute virtual intro with our Talent team to get to know you.
Stage 2: Meet a Lead Product Manager or Director of Product for 60 minutes. We can host you in the office or meet virtually.
Stage 3: A 45-minute office interview with 2–3 members of the wider Product/Engineering team, plus a further 45-minute interview with the Director of Product.
Stage 4: A 30-minute chat with the CEO.

Our Values & Culture

Just Pilot – We never settle for "good enough". We pilot new ideas fast, ask questions to figure it out, and scale quickly.
Why Not Today? – Fast is as slow as we go. Speed and simplicity give us a competitive advantage.
Be a Buddy – We tap in from day one to help the team, we do the right thing even if it's hard.
Owners and Dates – We don't chase people. If you own a task and agree to a date, the expectation is that it gets done.
Feedback – We want our employees to flourish, so we regularly provide direct and constructive feedback.

Diversity & Inclusion

We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks

We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: