Product Associate

We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.

• Own analysis of product performance across the full funnel: traffic, applications, approvals, conversion, originations, repayment and credit outcomes

• Build and maintain the dashboards, metrics and data models that Product, Credit and Operations rely on

• Form sharp hypotheses, design experiments (journey changes, pricing, A/B tests) and measure the impact rigorously

• Get to the root cause of anomalies quickly, whether the cause is in the data, the code or the customer journey

• Model the economics of each product: acquisition cost, approval and take-up rates, pricing, funding cost, expected loss, servicing cost and lifetime value

• Put numbers on the trade-offs behind product decisions, such as wider approval versus higher losses, or partner revenue share versus volume

• Track contribution margin and cohort profitability by product, channel and partner, and show where we make or lose money

• Come up with ideas for scaling and growing from where we are today (new segments, channels, products and pricing) and estimate what each one is worth

• Look across our products and partnerships for places where they reinforce each other: cross-sell, top-ups, repeat lending, shared customers and shared data

• Help evaluate new partner opportunities and build the business case, covering volume, economics, integration effort and risk

• Turn the strongest ideas into clear proposals and see them through to launch

• Use AI coding tools to build and ship product end to end, across both front-end and back-end, from quick prototypes to features that go live

• Build internal tools, automations and data workflows that remove manual work and help the team move faster

• Be proficient with our analytics stack: build dashboards in AWS QuickSight and track funnels, events and experiments in PostHog

• Use SQL and Python every day to pull, model and analyse data

• Learn how our APIs, decisioning flows and data pipelines work, and work directly with engineers on specs, testing and release validation

• Support Product Managers with discovery, delivery and partner onboarding

• Define success criteria for each launch and the metrics that show whether it's working

• Design test scenarios, including edge cases and failure modes, and test the end-to-end customer journey before release

• Work closely with QA to make sure production releases are stable

• Monitor production performance after release, and pick up and triage related bugs with engineering

• Make sure new products and journeys work at launch for customer support, collections and complaints teams

• Use operational data to spot recurring issues, fix them at the source and make sure they're closed out, not just discussed

• A top-tier STEM or Economics graduate (computer science, engineering, mathematics, physics, economics or similar)

• 0–2 years of experience, including internships, placements or early-career roles with real responsibility

• Strongly analytical and confident with SQL and Python, able to go from raw data to a clear recommendation

• Able to build with AI. You use AI coding tools (e.g. Claude Code, Cursor) to ship working front-end and back-end code, and you've built things, whether side projects, hackathons, internal tools or production apps

• Hands-on with analytics tools such as AWS QuickSight, PostHog or similar BI and product analytics platforms

• Commercially minded. You naturally ask how something makes money, and you enjoy modelling unit economics, pricing and P&L

• Strong product sense. You have opinions on the products you use, why they work and how they could grow

• A structured problem-solver who can break down messy, real-world problems

• A clear communicator who can walk an engineer through a model and make a recommendation to leadership

Nice to have: an interest in consumer credit, lending, payments or fintech; experience with experimentation and statistics.

• You think like an owner, of both the customer outcome and the commercial outcome

• You'd rather build a quick prototype or run the numbers than debate in the abstract

• You follow through until problems are actually solved

• You're comfortable with ambiguity and don't wait for perfect instructions

• You speak up when something doesn't make sense, and you help fix it

• You put in extra effort at key moments, such as launches and live incidents, knowing that's where the real learning happens

This role is a stepping stone to Product Management, with a clear progression path. As a Product Associate, you'll be expected to:

• Build deep knowledge of our products, data and commercials

• Consistently own problems end to end and deliver measurable business and customer impact

• Show strong judgement, data-driven thinking and stakeholder management

High performers will progress to Junior Product Manager as they begin to:

• Own a product area or metric independently, including its commercial performance

• Lead defined workstreams within launches or partner integrations

• Originate growth ideas that make it onto the roadmap and deliver results

Progression is based on impact and ownership, not time served.