Senior Product Manager

Lendable Ltd; Philippines; On-site; PHP 7,385,000 - 10,462,000; Full time

Benefits offered by this job

Flexible working

Health coverage

Retirement & savings

Employee referral programme

Office meals & snacks

Cycle-to-work

Job summary

Lendable is seeking a curious, data-driven Sr. Product Manager to join our US team. Based in the Washington DC area, you will own customer acquisition and growth for our credit card product in the US, contributing to the company’s long-term trajectory.

You’ll work with a small, ambitious team to drive end-to-end origination, activation, and product offerings, using AI to speed analysis and decisioning while partnering with Credit, Growth, Design, Data Science and Compliance.

Qualifications

• 4+ years of Product Management experience.
• 2+ years in consumer lending, ideally credit cards.
• Experience at a startup or owning a high-growth product in a fast-paced environment.
• Strong technical fluency across decision engines, APIs and data flows; builder’s instinct.
• You use AI tools daily to prototype, analyse and ship.

Responsibilities

• Drive the Product Vision & Roadmap for the US card product.
• Execute hands-on; prototype and own implementation decisions.
• Drive data-backed decisions using AI and analytics.
• Outcome-focused; set measurable goals and adjust based on results.

Skills

Product management

Consumer lending

Startup experience

APIs & data flows

AI tools usage

Data-driven decisions

SQL familiarity

Numerical analysis

Tools

APIs

SQL (basic)

Job description

ABOUT LENDABLE

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s newest unicorns with a team of just over 700 people
• Among the fastest-growing tech companies in the UK
• Profitable since 2017
• Backed by top investors including Balderton Capital and Goldman Sachs
• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot https://uk.trustpilot.com/review/lendable.co.uk)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

JOIN US IF YOU WANT TO

1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

ABOUT THE ROLE

We’re looking for a curious and data-driven Sr. Product Manager to join our US team. You will be based in Washington DC area. In this role, you’ll own customer acquisition and growth for our credit card product in the US, directly contributing to Lendable’s long-term strategic trajectory. You’ll join us as we prove out the book, then take it into its next phase of growth.

You’ll be joining a small, ambitious, and fast-paced team of data-driven problem solvers. This role is best suited for someone who is analytical & iterative and solves problems from first principles. You will report directly to our CPO and partner with our US Cards Managing Director.

The role centres on originations and growth, and will cover:

• Acquiring customers efficiently across direct mail, paid, aggregator and affiliate channels, building out new channels, and optimizing conversion funnels
• Shaping the mobile app experience to drive activation, spend, and engagement
• Owning the end-to-end origination journey, from first touch to an approved and activated account, including one-click and open-banking-enabled applications and new product offerings
• Building new credit products such as cash back and rewards cards
• Owning key partner integrations like those for our network, affiliate marketplace channels, and transaction & payment processing vendors
• Improving our underwriting and fraud prevention capabilities to increase approvals without compromising credit quality
• Owning channel economics: CAC, payback and unit economics by channel and cohort, and knowing where the next dollar of spend should go
• Using AI to build, test and analyse faster than a team our size otherwise could

YOUR IMPACT

• Drive the Product Vision & Roadmap
  Own the strategy and roadmap for our US card product: first to market parity then past it for our current and expanding target segment through customer understanding and experimentation. Getting there means bringing Credit, Growth, Design, Data Science and Compliance with you developing your leadership and influencing skills.
• Execute Hands-On
  You are a hands-on builder who finds the highest-leverage problems and solves them. You write & resolve tickets, prototype, and own implementation and design decisions rather than handing them off. AI tools are a genuine force multiplier here, and we expect you to use them to build the scrappiest thing that answers the question instead of waiting for engineering capacity. The accountability stays with you: you don't ship what you can't sense-check.
• Drive Data-Backed Decisions
  AI has collapsed the cost of analysing data, so the differentiator is intuition and curiosity: a feel for what the numbers should look like, the instinct to notice when something is off, and the persistence to find the real driver. You never take a confident answer at face value, from a dashboard or a model. You let AI do the assembly so the team spends its time deciding, and you champion experimentation.
• Outcome Focus
  You set clear, measurable goals and judge your work by whether the numbers moved, not by what shipped. You make tough calls under ambiguity, own them, and course correct when the evidence turns. You are happy to change your mind when presented with a good argument, and you expect the same of everyone else.

YOUR EXPERIENCE

• 4+ years of Product Management experience
• 2+ years of experience in consumer lending, ideally credit cards
• Experience at a startup or owning a high-growth product in a fast-paced environment
• Strong technical fluency, enough to work confidently across decision engines, APIs, and data flows, plus a builder’s instinct: you already use AI tools daily to prototype, analyse and ship, and you can show us how
• Ability to combine data, customer understanding, and market signals to drive prioritization and product innovation
• Strong numerical intuition: a feel for what good and bad look like in a funnel, a cohort, or a P&L, and a habit of investigating anomalies rather than explaining them away. You should be comfortable getting to data yourself with AI, so deep SQL expertise is not required
• Demonstrated ability to focus on the broader objectives without getting lost in the details

INTERVIEW PROCESS

• A quick introduction call with someone from the team
• A case interview with a member of our Product team, focused on growth and originations, including a set of real numbers to interrogate
• Final round interviews with our CPO, Cards MD, and product and engineering team members

LIFE AT LENDABLE

• Winning team: the opportunity to scale up one of the world’s most successful fintech companies
• Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites
• Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
• Health coverage: support for your physical and mental wellbeing, including private health cover
• Retirement & savings: long-term financial wellbeing through retirement savings plans
• Employee referral programme: earn a competitive bonus when you refer successful new team members
• Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

Check out our blog https://blog.lendable.co.uk/!