Principal Product Manager – Upstream; Mortgages

At Clear Score, we’re on a mission to help people achieve greater financial well‑being. Within our Upstream mission, we focus on shaping and scaling new propositions that unlock meaningful value for our users. A pathway to home ownership is a key milestone in our users’ journey to financial well‑being. We’re expanding our product team to support our global strategy in home ownership and mortgages.

As a Principal Product Manager in our Upstream Mortgages team, you will hold responsibility for the viability and roadmap direction of this emerging vertical within the Clear Score ecosystem.

• Build on existing strategic thinking, identifying clear paths to user, partner and business value and shaping the proposition’s continued evolution.
• Develop and maintain deep expertise in the home ownership and mortgages landscape, building strong external awareness across partners, regulation and industry trends to inform product direction.
• Own the global roadmap for the home ownership and mortgages proposition, defining priorities and sequencing to ensure long‑term viability and coherence in line with overall strategy.
• Lead structured product discovery to validate desirability, viability and feasibility, using qualitative insight, quantitative data and commercial understanding to inform decisions.
• Make clear, balanced trade‑offs between user experience, commercial constraints and technical complexity, ensuring focused and coherent progress.
• Partner closely with Design to deliver a compelling, simple and user‑centred experience within a complex domain.
• Collaborate with Commercial and Data stakeholders to ensure the proposition is grounded in market dynamics, partner realities and measurable outcomes, while retaining clear accountability for product direction.
• Structure ambiguous problem spaces into clear work‑streams, guiding and elevating work across the team — including elevating the quality of thinking and execution across more junior Product colleagues.
• Drive momentum and decision‑making, ensuring stakeholders are meaningfully engaged throughout the innovation lifecycle.

• You know what good Product Management looks like and are comfortable owning meaningful proposition‑level problem spaces within an established strategic direction.
• You have demonstrated experience shaping new propositions from first principles, not only optimising existing products.
• You are confident shaping roadmap direction and making clear trade‑offs across competing constraints.
• You are commercially aware and think in terms of value exchange, incentives and long‑term proposition coherence — not just feature delivery.
• You are comfortable operating within a shared leadership model, partnering closely with senior Design while retaining clear accountability for product viability.
• You bring clarity to complex discussions and are able to move from alignment to decision — making well‑reasoned calls even when consensus is incomplete.
• You are intellectually confident and willing to challenge existing thinking constructively where evidence or judgement suggests a better path.
• You combine structured discovery with strong product intuition, balancing rigour with momentum and knowing the fastest routes to validate key hypotheses.
• Experience in mortgages or adjacent regulated financial products is highly desirable, though strong product craft and Clear Score ecosystem understanding may compensate.

• 25 paid holidays and a “duvet day” on your birthday
• Hybrid Work Environment
• Private health and dental cover — including mental health support through Bupa
• GP office visits
• Life assurance scheme
• Up to 6% matched pension
• Regular Lunch and Learns with guest speakers
• Dog‑friendly office
• Daily breakfast and free snacks
• Access to discounts via Cobens Extras
• Free sports and social clubs
• Continued investment into learning and development
• Leadership‑led training
• In‑house psychotherapist
• Financial coach to help you plan and achieve your goals
• No clock‑watching culture
• Generous maternity and paternity plans
• Culture and inclusion representatives
• Transparent pay structure and a career growth plan

• Levels 1‑5:
  Minimum 2 days per week…