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About the Role
Our Product team sits at the heart of everything we build. We move fast, work closely with engineering, and obsess over outcomes for our customers. Product is organised into focused areas, each owning a distinct part of the customer and business journey.
Responsibilities
- Owning an area end-to-end: making most product calls yourself, without seeking sign-off.
- Acting as the peer voice on your area for leadership, not the delegate who brings back options.
- Bringing subject matter mastery that goes deeper than anyone else in the company on that area.
- Spotting within minutes whether a new idea has been tried before, whether it fits, and what the real trade-off is.
- Distilling complexity into well-framed discussion points that let stakeholders and engineers contribute meaningfully.
- Steering conversations toward the right outcome without needing to be right yourself.
- Carrying multiple workstreams without dropping any of them — production stays clean, timelines hold or shift with early warning, and surprises don't land on your manager's desk.
- Absorbing noise so engineers can work in flow, and keeping scope honest.
- Depending on the scope of your area, you may line-manage PMs or APMs.
Requirements
- 5+ years of experience in product management, with a proven track record of owning an area autonomously and having your decisions stick without review.
- A gut that's earned trust because it's been right before, backed with data rather than hidden behind it.
- Subject matter mastery: you can walk into a conversation about your domain and already know where it's going.
- Strong facilitation and communication skills — you can take a complex problem and turn it into something others can act on.
- A track record of carrying multiple concurrent workstreams to delivery without things slipping quietly.
- Comfort working across both front-end user experience and back-end system architecture.
- Either existing knowledge of financial services and compliance concepts (for example KYC, KYB, IDV), or direct journey optimisation experience, ideally both.
- Experience partnering with Engineering and Design to communicate direction to stakeholders, up to leadership level.
- Prior experience line-managing PMs or APMs is a plus, though not required for every area.
Skills
- Product Management
- Subject Matter Mastery
- Facilitation
- Communication
- Front-end User Experience
- Back-end System Architecture
- Financial Services
- Compliance Concepts (KYC, KYB, IDV)
- Journey Optimisation
- Stakeholder Management
- AI Curiosity
- Executive-level Communication
Location
- London
Work Type
- Hybrid
- 3 days in office
Experience Level
- Senior level
Benefits
- Private Healthcare including dental and opticians services through Vitality
- Worldwide travel insurance through Vitality
- Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
- Salary Sacrifice Pension Scheme up to 7% match
- Octopus EV Salary Sacrifice Scheme
- 28 days holiday (plus bank holidays)
- Annual Learning and Wellbeing Budget
- Enhanced Parental Leave
- Cycle to Work Scheme
- Season Ticket Loan
- 6 free therapy sessions per year
- Dog Friendly Offices
- Free drinks and snacks in our offices
About the Company
- Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.
- Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.
- 1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!
Equal Opportunity
- We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.