Role Overview

Own product strategy
Define and execute the product vision for your area, ensuring alignment with Kuda's broader Credit strategy.
Develop ambitious product roadmaps focused on customer value, portfolio performance, and business growth.
Continuously identify opportunities to unlock new lending use cases and improve existing customer journeys.
Build products customers love
Create AI-powered customer experiences and intelligent decisioning, leveraging the latest advances in AI to create faster, smarter, and more personalised lending experiences, while continuously identifying opportunities to improve how our teams build, operate, and scale products.
Obsess over every step of the customer journey
from first application to final repayment.
Balance customer experience with responsible lending principles.
Depending on your area of ownership, you'll help shape products across the entire credit ecosystem, including:
Real-time lending experiences
Overdrafts and personal loans
Credit decisioning and underwriting
Customer application journey
Credit line management
Repayment and collections experiences
Portfolio optimisation and customer lifecycle management
Pricing and behavioural interventions
Internal tools that improve credit operations efficiency
AI-powered customer’s credit experiences and decision making
Drive measurable business impactYou'll own meaningful business outcomes such as credit revenue, portfolio profitability, approval rates, lending growth, credit operational efficiency, and beyond.
We do not measure success by features shipped, we measure it by outcomes delivered.
Make data your superpower
Build hypotheses using customer insights, behavioural data, and experimentation.
Define product metrics and success criteria.
Run experiments, evaluate results, and iterate quickly.
Use quantitative and qualitative insights to make informed decisions.
Work across the organisationYou'll work daily across various teams, and leadership levels.This role requires influence without authority. You'll bring people together around a shared vision and drive execution across multiple teams.
Deliver at speedWe're builders. You'll continuously prioritise opportunities, remove ambiguity, unblock teams, and ship improvements quickly while maintaining high quality.

Requirements

7+ years of Product Management experience, with significant ownership of complex customer-facing products.
Hands-on experience building and scaling retail credit or lending products.
Deep understanding of unsecured lending, credit cards, overdrafts, personal loans, BNPL, or similar products.
Strong understanding of customer journeys across the full lending lifecycle.
Excellent product intuition supported by rigorous data analysis.
Experience working closely with Engineering and Data Science teams.
AI-first mindset: you're obsessed with finding practical applications of AI, not just using LLMs for writing or coding, but rethinking products, processes, and customer experiences around what AI makes possible. You constantly experiment with new tools and translate them into measurable business impact.
Proven ability to define strategy and execute in fast-moving environments.
Excellent prioritisation and decision-making skills.
Outstanding communication and stakeholder management abilities.
High ownership and accountability; you naturally think like a founder.

Benefits

A great and upbeat work environment populated by a multinational team
Pension
Career development & growth
Competitive annual leave plus bank holidays
Competitive paid time off (Parental, Moving day, Birthday, Study leave etc)
Group life insurance
Medical insurance
Well-fare package (Wedding, Compassionate and etc)
Perkbox
Goalr
employee wellness app
Award winning L&D training
We are advocates of work-life balance, working in a hybrid in office schedule

Kuda

Open Positions (1)

Product

Senior Product Manager – Credit