Product Lead - Lending

At myPOS, we’re all about helping businesses grow and get paid. We make payments simple, smart, and accessible for everyone, but we’re more than just payment solutions—myPOS is a partner in growth. From free multicurrency accounts to powerful e-commerce tools, we’re here to support business owners of all sizes and everyone out there who dreams of starting their own business.

As we are expanding our team, we’re looking for SMB Lending Manager to help us make a real difference in the Fintech industry. Ready to join us and shape the future of payments? Let’s make it happen!

This is a hands‑on role for someone who knows SME lending inside out and wants to help build something from the ground up. Working closely with the VP Product, you'll be the lending domain expert in the room, the person who understands how credit products work, what SME customers need, and how to translate that into great product decisions.

You’ll be embedded in the product team, bringing lending expertise to shape new lending propositions, defining how credit fits into the customer journey, and ensuring that what we build is commercially sound, risk‑aware, and genuinely useful for small businesses. This is a high‑impact role with the opportunity to shape how our SME lending products evolve as the business scales across Europe.

You’ll be working alongside a dedicated Product Manager and development team to bring new solutions to life and enhance existing products.

• Work alongside the VP Product and Product Manager to help scope new lending products and features, bringing lending expertise to inform product design and roadmap prioritization.
• Own the lending domain expertise within the product team and business: bring market knowledge, competitor insight, and customer understanding to every product decision.
• Conduct discovery with SME customers, internal stakeholders, and external partners to identify unmet needs and shape the product roadmap.
• Provide clear input into how lending mechanics such as eligibility, limits, and pricing should be represented in the product experience.
• Work alongside the Product Manager to create product business cases and opportunity assessments that secure leadership buy‑in.

• Define how credit decisioning, affordability, and risk appetite should be embedded into the product, working closely with credit risk and data teams to bring this to life.
• Support the deployment of new risk scorecards and underwriting logic, ensuring the product experience reflects sound credit principles.
• Contribute to pricing frameworks, credit limit structures, and eligibility criteria that balance growth with responsible lending.
• Analyze in‑life portfolio performance and provide insights to inform product iteration, pricing adjustments, and credit strategy.

• Act as the connective tissue between credit risk, data, engineering, and commercial teams, ensuring everyone is aligned and moving in the same direction.
• Lead lending related work streams within broader product initiatives, taking ideas from discovery through delivery with minimal hand holding.
• Support the development of business cases for new initiatives, clearly articulating the commercial opportunity, risks, and success metrics.
• Contribute to go‑to‑market planning, working with product, marketing and commercial teams to land new products effectively.
• Work closely with the Product Manager to support successful product delivery and ensure lending expertise is reflected throughout the development process.

• Stay close to the SME lending landscape, tracking competitor moves, emerging fintech models, and shifts in the macro‑economic environment.
• Ensure products are designed with regulatory compliance in mind, working with legal and compliance teams on FCA, CBI requirements and Consumer Duty obligations.
• Bring fresh thinking and external perspective to the team, regularly sharing market intelligence and product inspiration.
• Bring external market insights and competitive intelligence into product discussions to help shape lending strategy.