Senior Product Manager

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)

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.

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

• 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,…