Product Manager (US Loans)

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 https://uk.trustpilot.com/review/lendable.co.uk) 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. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting ABOUT THE ROLE Personal loans are the fastest-growing consumer credit product in the US - originations increased 26% last year alone to a record high. Americans are actively seeking cheaper, faster, more transparent alternatives to credit card debt and traditional bank loans. Having built a market-leading, profitable business in the UK, Lendable launched US Personal Loans in 2022. Four years of building credit models, customer journeys, operational infrastructure and nearly $500m in originations - and the foundation is set. What comes next is the exciting part: aggressive growth into the largest lending market in the world. We're hiring a Product Manager to own multiple product areas to support this expansion - defining strategy, shipping features, and driving outcomes end-to-end. WHAT YOU'LL BE DOING This isn't a "write tickets and attend standups" PM role. You'll own real problems such as: - Getting our proprietary credit models into production - working with data science to turn research into real lending decisions - Designing and personally building automations that make our operations team dramatically more efficient - Using data to ideate the most valuable initiatives that could improve credit quality, reduce losses, help the customer, or grow volume - Figuring out how best to use LLMs to intelligently aid with customer service, servicing, collections - A/B testing customer journeys from application through to servicing - finding what actually moves conversion, satisfaction, and repayment - Improving the post-origination experience - payments, customer support, and everything that happens after a loan is funded - Leading the team, aligning and motivating everyone around you, continuously improving the tools and processes we use to deliver at speed YOUR TEAM You'll report to the Head of Product and collaborate closely with the Managing Director of US Loans. You'll join three other PMs and work most closely with: - ~14 engineers (mostly backend), split across London and Europe - A data science team (2–3 people) building credit and pricing models - A credit risk team (~4 people) - some of your closest collaborators - A growth team (1-2 people) focused on acquisition - Operations agents - you'll build the tools that make their work better The team spans our London office, European remote engineers, and our Arlington, Virginia office near DC. AI AT LENDABLE - WE'RE SERIOUS We want to build the most AI-forward financial services company in the world. Our PMs don't just manage products. They use AI to push the boundaries of what