Senior Product Manager, Spend

present of AI; United Kingdom; À distance; GBP 70 000 - 100 000; Plein temps

Résumé du poste

Cleo is a conversational AI financial assistant focused on personal budgeting, credit building, and savings management. The role centers on shaping how money moves through the product, including deposits, transfers, and payouts, with hands-on work on payment rails and partner ecosystems.

The ideal candidate brings deep experience with US payment rails, a talent for translating complex payments rules into clear product decisions, and the ability to explain payments concepts to non-experts while

Qualifications

• Hands-on depth in US payment rails (ACH, card networks)
• Experience juggling several banking and processing partners

Responsabilités

• Own money flows into, around and out of the product, including direct deposits, transfers between products and payouts.
• Explain why payments matter to people outside the payments world while keeping day-to-day cash movement accurate.

Description du poste

The role owns how money flows into, around and out of the product, covering direct deposit, transfers between products and payouts. It asks for recent, hands‑on depth in US payment rails such as ACH and card networks, plus experience juggling several banking and processing partners. A strong candidate sets direction where little exists yet, explains why payments matter to people outside that world, and still keeps day to day cash movement accurate.

How it fits the AI era

AI is moving payments toward smart funding choices, where software picks the best source of money at the moment of a purchase and acts on it with the customer's consent. That makes the product work more about clear rules, safe automation and trust in the data behind each decision. Judgment on risk, partner negotiation and making the case to colleagues stays human.

How it builds AI experience

Working here would give hands‑on exposure to agent‑style features in a conversational finance assistant, especially around deciding which funding source suits a customer. To build that experience, a candidate could study how automated decisions are tested, monitored and explained in regulated money movement, and practise writing clear product rules for them. Following how stablecoins and new payment rails may change automated transfers adds useful context.

Worth showing

• Interchange and cost economics
• Clear storytelling to non-experts

This is our own read, written from the employer's posting and the company's Spotlight. The employer's posting is the source of truth for the role.

About Cleo

Conversational artificial intelligence financial assistant for personal budgeting, credit building, and savings management.