Head of Product, -as--Service

Position: Head of Product, Payments-as-a-Service
Location: Greater London

** End Date
** Tuesday 10 March 2026
** Salary Range**£124,653 - £146,650
** Flexible Working Options
** Flexibility in when hours are worked, Hybrid Working, Job Share
** Job Description Summary
** This is an exciting opportunity for an entrepreneurial individual to join the UK’s largest digital bank (and the UK’s largest Fintech) as well look to expand into new revenue opportunities using existing Group capabilities and technologies to external clients. The Product Lead, Payments-as-a-Service (PaaS) will lead the development, commercialisation, and delivery of the Group’s expanded “Payments as a Service” ambition.

This includes existing product and services already marketed to partners as well as new ventures capitalising on our in-house technology build. This is a strategic, high impact role responsible for shaping how the Group participates in the future of Payments-as-a-Service in the broadest sense — ranging from working with internal platform teams and business areas to shape how products will be designed to a go-to-market strategy.
** Job Description
***
* JOB TITLE:

** Head of Product,  Payments-as-a-Service
** SALARY:** £126,523 - £148,850
*
* LOCATION:

** London
* * WORKING PATTERN:
** Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at our office location.
*
* About the role:

** This is an exciting opportunity for an entrepreneurial individual to join the UK’s largest digital bank (and the UK’s largest Fintech) as well look to expand into new revenue opportunities using existing Group capabilities and technologies to external clients. The Product Lead, Payments-as-a-Service (PaaS) will lead the development, commercialisation, and delivery of the Group’s expanded “Payments as a Service” ambition.

This includes existing product and services already marketed to partners as well as new ventures capitalising on our in-house technology build. This is a strategic, high impact role responsible for shaping how the Group participates in the future of Payments-as-a-Service in the broadest sense — ranging from working with internal platform teams and business areas to shape how products will be designed to a go-to-market strategy.
** What you’ll be doing:
**** Strategy & Vision for Payments-as-a-Service
*** Define the strategic vision and multiyear roadmap for the Group’s PaaS capabilities.
* Assess market trends, industry innovations, regulatory change and emerging customer needs to identify new opportunities.
* Shape commercial and operating models that enable PaaS to scale across internal business units and potential external partnerships.
* Build strategic business cases and investment proposals to secure funding for new initiatives.
** Proposition & Product Development
*** Identify  customer (internal and/or external) needs and design innovative PaaS propositions to meet them.
* Own the end to end product lifecycle: discovery, framing, scoping, design, MVP definition, sequencing and delivery oversight of end-to-end product lifecycle
* Lead proposition development for existing and new markets—including those that are not yet established.
* Partner with engineering, architecture, treasury, payments operations, and regulatory teams to ensure designs are scalable, compliant, secure and commercially viable.
** External Business Development
*** Actively explore partnership opportunities, including commercial models, joint propositions, or collaborations.
** Delivery Leadership & Roadmap Execution
*** Define and prioritise the PaaS roadmap, balancing near term deliverables with long term strategic innovation term deliverables with long term strategic innovation.
* Guide cross-functional delivery and operations teams, ensuring clarity on value, scope, key performance indicators, service aspects and customer outcomes.
* Oversee launch and BAU optimisation of new PaaS journeys, ensuring robust performance management.
** Commercial Outcomes & Investment Performance
*** Develop investment cases for PaaS initiatives and track delivery of commercial, operational and customer outcomes.
* Own performance metrics, reporting and continuous improvement actions.
* Work with finance, commercial…