Senior Product Manager - Banking

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. ABOUT THE ROLE Credit is LemFi's fastest-growing pillar. As a Senior Product Manager, you'll own the roadmap that scales it. That means setting sharp priorities, turning portfolio insight into shippable outcomes, and making the commercial trade-offs between growth, risk, customer experience, and unit economics. You'll work shoulder-to-shoulder with engineering, risk, decision science, and commercial teams. You need to think like a portfolio manager. You'll live in the data yourself, not wait for someone to tell you what it says. This is hands-on work for someone who understands that running a credit product means managing a live portfolio with real money at stake, not just shipping features. WHAT YOU'LL BUILD AND OWN * Set sharp priorities across your product area, balancing growth, risk, customer experience and unit economics. Make the trade-offs that move the needle. * Get into the detail of portfolio performance. Convert that insight into product changes that move the metrics that matter: conversion, loss rates, activation, retention. * Use AI deliberately to remove friction from internal workflows, speed up discovery and prototyping, and unlock product experiences that wouldn't otherwise be economic to build. * Work shoulder-to-shoulder with engineering on requirements, edge cases, QA and launch. Not ceremonies, real partnership. * Partner with the Credit Product Lead to deliver end-to-end across acquisition, underwriting, servicing and collections. * Keep Credit Risk, Decision Science, Operations, Compliance and Commercial aligned and bought in. Protect the team's focus while managing the stakeholders. * Track KPIs across acquisition, penetration, retention, loss and unit economics. Communicate results and trade-offs clearly to leadership. YOUR EXPERIENCE * 5+ years of product management in consumer credit, lending or fintech, with hands-on exposure to managing a live lending portfolio. * Prior experience in credit risk, marketing analytics, finance or data science. You've spent meaningful time in an analytical function, not just consumed dashboards. * Strong commercial instinct. Fluent in unit economics, loss rates, conversion funnels and vintage performance. * SQL fluency or equivalent. You don't wait on an analyst to form a point of view. * Demonstrable track record using AI tools to drive efficiency, quality and delivery speed. Specific examples, not just buzzwords. * You've owned a roadmap and shipped outcomes that moved meaningful business metrics. * Strong cross-functional stakeholder management across risk, engineering, operations and commercial. NICE TO HAVE * Familiarity with credit decisioning, scorecards or decision engines. * Experience scaling a credit product from early stage through rapid growth. WHY JOIN LEMFI? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play.

Hybrid role with three days a week in London or Edinburgh offices with travel to Bath once a quarter. ABOUT US Seccl is the Octopus-owned embedded investment platform that’s on a mission to helping more people to invest – and invest well. We’re B-Corp certified with an amazing product-market fit, impressive early traction and the potential to transform an outdated industry, for the better. We've been growing fast and will scale even faster over the next few years. We’re also proud to be part of Octopus, the £multi billion group that's on a mission to breathe new life into broken industries, through companies like Octopus Energy, Octopus Investments and Octopus Money. Check out the Seccl website for the latest on our products and our mission to shape the future of investments. THE ROLE * We’re looking for a Senior Product Manager for European payment squad to join us. You'll work closely with our Payment Senior Product Manager to build our European payment functionality and shape how our European payment operations team functions. * This is a high-impact, high-ownership role, ideal for someone who combines sharp product thinking, strong execution skills, and a passion for simplifying complexity. This is a rare opportunity to be the first Product Manager focused on European payment at Seccl. * You won’t be joining an established team or roadmap, you’ll be helping to define both from the ground up. * Working alongside a small, high-impact European team and key European clients, you’ll play a central role in shaping how our European payment proposition evolves, from early launches through to scale. This is an opportunity to: * Shape the European payment strategy and roadmap for a fast-growing fintech that wants to disrupt an outdated industry. * Support with go to market strategy for the European business and collaborating closely with our European clients * Work closely with the product and engineering team supporting the UK business * Collaborate with product, engineering, and operations teams to identify the right tooling to automate tasks and solve complex customer problems. * Contribute to a high-performing, autonomous squad where your ideas will directly influence our success. ON A TYPICAL DAY YOU WILL BE… * Working closely with the Group Product Manager and Operations Lead to define the European trading roadmap, balancing immediate client needs with longer-term platform strategy * Collaborating as a pod with engineers, operations, and other stakeholders to solve scalability challenges for our European trading operations team. * Breaking down complex problems into clear, actionable plans for engineering teams * Prioritising and managing the sprint backlog, balancing stakeholder needs while maximising value for customers. * Partnering closely with our European clients to understandi their needs and translating them into product solutions, validate solutions, and ensure the product delivers real value. * Collaborating with UK-based product and engineering teams to adapt and extend existing capabilities for European markets * Making trade-offs across speed, risk, and customer value in a highly regulated environment * Using both quantitative and qualitative data to inform evidence-based decisions. * Supporting the growth of junior product managers through mentorship. THIS ROLE’S FOR YOU IF YOU... * Have significant experience with payment systems, custody platforms, APIs or have launched regulated products to European markets * Have experiencer scaling products in regulated environments (e.g. fintech, banking, investments, insurance) * Are comfortable operating in 0→1 or highly ambiguous environments where structure doesn’t yet exist * Brings clarity to ambiguity – structuring problems and shaping them into actionable work * Has a strong bias for action – you proactively seek insights, test ideas, and move things forward. * Is customer-obsessed – always thinking about how to improve workflows and outcomes. * Thrives in cross-functional teams – collaborating across disciplines and navigating trade-offs with empathy and focus. * Supports others – through mentorship, sharing knowledge, and modelling high standards. * Communicates with impact – adapting style for technical and non-technical audiences alike. THIS ROLE ISN’T FOR YOU IF... * You rely on a lot of top-down direction. Here, you’ll have a lot of freedom and ownership of your role, and you’ll be expected to shape your own progression * You’re not comfortable working in a fast-paced environment. Our speed and scalability are what set us apart; you need to be able to act quickly and think on your feet * You struggle to follow through on ideas. We value people who do what they say they will. If you care about something, you have the freedom here to make it happen * You don’t like change. You’ll get on great here if you relish the ambiguity of rapid growth and are willing to embrace uncertainty WHAT’S IN IT FOR YOU… We offer a generous mix of benefits for the things that really matter to our people, including: 💰 A salary between £75,000 and £90,000 – dependant on experience + reviewed annually 🌴 27 days holiday + bank holidays (some can be flexible) + day off on your birthday + three days (full time) per year for Dependant leave 💙 Two volunteering days per year 🌎 Option to work abroad for up to six weeks a year 🌟 Secclbrate - our recognition programme that offers a mix of flexible rewards including extra pay, additional holiday and increased learning budget 🏅 Length of service award – one month paid sabbatical at eight years ✅ 6% employer pension contribution, and life assurance 🏥 Private medical insurance with AXA Health 👪 Enhanced Parental leave 💻 MacBook and up to £500 home office set up budget 📖 £750 per person learning budget 🌻 Health and wellbeing initiatives including free therapy via Wellness Cloud, mental health support via Headspace 🌱 Strong financial wellbeing focus including access to Octopus Money, Octopus Share Incentive Plan and will writing offering via Octopus Legacy 🎁 Perkbox – Flexi-points giving you a range of discounts and perks including free weekly coffee, gym and retail discounts 🚲 Access to initiatives like Cycle to Work and Octopus Electric Vehicle Leasing OUR CULTURE We're proud to put people first, creating a culture where we truly listen to what matters most to them. Our transparent and inclusive environment encourages diversity of thought, challenge and experimentation. Check out our Glassdoor page for the latest reviews or our LinkedIn for company updates and insights from the team. INTERVIEW PROCESS Interviewing is a two-way thing, and we want you to have the time and opportunity to get to know us, as much as we are getting to know you. Our interviews are conversational, so come with questions and be curious. In general, you can expect the interview process to look a bit like this: * Talent screen - 30 min initial interview with Talent partner * First round– 45 min competencies-based interview with the hiring manager * Second stage – 60 min case-study presentation interview * Bar raiser - 45 min cultural alignment interview ⏳ We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out and you should expect to hear back from us within one to two weeks of applying. 🌈 Our aim is to build a diverse and inclusive company of awesome people, with unique skills, passions and experiences. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If this sounds like your kind of thing, we encourage you to apply even if you don’t tick every box. We’d love to hear from you!  #LI-VS1 #LI-hybrid