Senior Product Manager (US Cards)

Lendable; Virginia; Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health coverage

Retirement plan

Flexible work

Hybrid roles

Office meals

Job summary

Lendable in the United States is seeking a product manager for US Cards to own the customer lifecycle from first transaction onward, shaping a product still being defined. You’ll join a small, data-driven team and leverage AI to prototype, test, and learn quickly, while balancing business outcomes with user value.

You’ll own the roadmap, drive activation and engagement in the mobile app, collaborate with Credit, Growth, Design, Data Science and Compliance, and measure success by real metrics

Qualifications

• Track record of owning product outcomes end-to-end in a growth environment.
• Strong analytical instincts and ability to interpret data beyond dashboards.
• Fluency with AI tools and integrating them into product development.
• Hands-on mindset: writing/resolving tickets, prototyping, and making design/implementation decisions.

Responsibilities

• Own the product vision and roadmap for US Cards, from first to market parity and beyond.
• Manage the customer lifecycle: credit line management, spend/engagement growth, pricing, retention.
• Shape the mobile app experience to drive activation and engagement.
• Build new credit propositions alongside the core Cards product.
• Execute hands-on: prototyping, ticketing, and data-driven decision-making.

Skills

Product ownership end-to-end

Analytical mindset

AI tools fluency

Hands-on prototyping & tickets

Cross-functional leadership

Ambiguity-driven decision making

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 most exciting unicorns with a team of over 800 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)

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:

• Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
• Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
• Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

About The Role

You'll own customer lifecycle management for US Cards. That covers everything from a customer's first transaction through every part of their relationship with us. You'll join as we prove out the book, then take it into its next phase of growth. This suits someone who wants to shape a product while it's still being defined, not inherit a finished one.

You'll be part of a small team of data-driven problem solvers. Like most teams at Lendable, it's small relative to what it runs, so you'll own decisions and their implementation rather than handing them off. The work sits close to the proprietary AI and decisioning that lets us see people as individuals rather than credit scores. You'll be expected to use AI to build, test and analyse faster than a team our size otherwise could.

What You'll Be Doing

• Owning the product vision and roadmap: first to market parity, then past it, for our current and expanding target segment, driven by customer understanding and experimentation.
• Owning the customer lifecycle from first transaction onwards, including credit line management, spend and engagement growth, balance growth, pricing and proposition management, and retention and reactivation.
• Shaping the mobile app experience to drive activation, spend and engagement.
• Building new credit propositions alongside the core Cards product.
• Executing hands-on: writing and resolving tickets, prototyping, and owning implementation and design decisions. You'll use AI tools to build the scrappiest thing that answers the question rather than waiting for engineering capacity.
• Bringing Credit, Growth, Design, Data Science and Compliance with you, and partnering closely with US Cards Managing Director.
• Setting clear, measurable goals and judging your work by whether the numbers moved, not by what shipped. You'll champion experimentation and never ship what you can't sense-check.

Essential

What we're looking for

• A track record of owning product outcomes end to end. You make tough calls under ambiguity, own them, and course-correct when the evidence turns.
• Strong analytical instinct:
• a feel for what the numbers should look like
• the instinct to notice when something is off
• the persistence to find the real driver, without taking a confident answer from a dashboard or model at face value
• Comfort working hands-on: writing and resolving tickets, prototyping, and making implementation and design decisions yourself.
• Real fluency with AI tools as a working part of how you build, test and analyse.
• The ability to lead through influence across Credit, Growth, Design, Data Science and Compliance. You change your mind when presented with a good argument, and you expect others to do the same.

Nice to have

• Experience with consumer credit lifecycle levers such as credit line management, pricing, and retention and reactivation.
• Experience shaping mobile app journeys for activation and engagement.

Interview process

• A quick chat with someone from our Talent team to see if the role is a good match.
• A 15-minute cognitive assessment.
• An interview with the Hiring Manager, covering your experience and how you approach the work.
• A practical exercise or case study relevant to the role, discussed with the team you'd be working with.
• A set of final interviews to assess how you'd thrive within our team and organisation.

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.

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