Senior Product Manager - Credit Products at Pleo

Messy spend management is tricky business. And tedious processes are a lose-lose situation for all involved, not just finance. At Pleo, we're changing that. We build spend solutions that make managing money seamless, empowering, and surprisingly effective for finance teams and employees alike—with a vision to help all businesses ‘go beyond’. The word ‘Pleo’ actually means ‘more than you’d expect’, and living by that mantra has been the secret to our success over the last 10 years. Now, we’re at a pivotal moment in our journey; every move we make has a direct impact on our 40,000+ customers, our business, and our collective success. We need people who take pride in uncovering customer needs, who turn complex problems into simple solutions, challenge the way things are done (respectfully), and always aim high. With great ambitions driving us forward, we can’t say we’ve got this whole thing figured out. And frankly, that’s half the fun! What we can say is that we’re a driven, progressive, and, importantly, a kind bunch of 850+ people from over 100 nationalities, all committed to delivering the future of business spending, together. About the role We're looking for a Senior Product Manager, Credit Products to join our Credit team at Pleo. In this role, you'll help solve liquidity issues and empower users with better cash flow as we scale existing credit products and build new ones from scratch. If you're excited about discovery, prototyping, and building with minimal tech debt and are passionate about the future of Fintech, then this is the opportunity for you! Who you’ll be working with and reporting to You’ll report to our Product Director (or relevant Manager) and work closely with teams in Credit Operations, Engineering, and Design. Our cross-functional team is highly collaborative and dedicated to translating complex financial scenarios into easily understood problems to solve. You’ll also have the chance to partner with teams across the company to manage shared KPIs and ensure holistic success. What you’ll be doing As a Senior Product Manager, Credit Products, you will: • Lead initiatives to build future-proof products by deeply understanding current fintech problems. • Collaborate with Credit Operations, researchers, and designers to drive research into customer cash flow problems and build creative solutions. • Analyze data using a quantitative toolbox to prioritize features and make high-impact decisions. • Launch products in new markets while navigating the constraints of highly regulated financial environments. • Inspire your team to take creative risks and add a human, emotional element to technical solutions. To put things into context, we currently have new market expansions and core credit architecture scaling on our roadmap. What you bring You’ll thrive in this role if you have: • Technical Depth – A good understanding of system architecture and how it influences solution design. • Communication Mastery – The ability to explain complex technical or financial concepts to anyone. • Analytical Mindset – Strong skills in quantitative analysis for effective prioritization. • Entrepreneurial Spirit – A history of "light bulb moments" and the ability to work independently. • Experience with Regulated Products – Extensive experience building user-facing products within financial regulations. • A background in Credit – Previous experience specifically within credit or cash-flow-related financial products Why is this role a good fit for you This role is a good fit for you if: • You love being part of early-stage discovery and building products from the ground up. • You value a flat hierarchy and want your voice to be heard in a vocal, supportive community. • You enjoy challenging the status quo and balancing granular details with a holistic view. This role is not a good fit for you if: • You prefer top-down decision-making rather than a bottom-up, collaborative approach. • You are uncomfortable working with shared KPIs or collaborating across different departments. • You prefer working on legacy systems rather than navigating the ambiguity of new product prototyping. How you’ll develop in this role In your first three months at Pleo, you’ll: • Lead the discovery phase for a new credit feature to drive impact in user liquidity. • Collaborate with Credit Operations to improve the efficiency and scalability of our financial solutions. • Grow your skills, taking on the challenge of launching regulated products in diverse markets. We’re committed to helping you develop your career, whether that means taking on bigger projects, stepping into leadership, or acquiring new skills in product management.” The compensation The annual salary for this position varies based on your location: • United Kingdom: £78,000- £ 118,000 • Denmark: DKK 840,000 - 1.260,000 • Sweden: SEK 772,000 - 1.158,000 • Spain: €67,000 - €101,000 • Portugal €63,000 - €94,000 We’re happy to share more about our approach to pay and this range during your first call with us! Please note: We can hire on a remote, hybrid or in-person set-up in any of the locations listed on the advert but you will need to be physically based in the country of your choice with a valid right to work. We are unable to offer visa sponsorship for this role in any of the listed locations. A quick heads-up: this role will close on April 3rd. We're keeping the application window short to ensure we can give every candidate the attention they deserve. So if you're even slightly tempted, don't overthink it, apply today. The interview process We want to ensure you are set-up for success and understand what will be expected of you. If your application is successful, our interview process is as follows: • Intro Call (30 min) – Chat with a Talent Partner to discuss the role and your background. • Hiring Manager Interview (60 min) – Meet your future manager and Product Lead to review your domain experience and skills. • Take-Home Case Study – Solve a fictional product challenge, then present your solution to a panel in a 1 hour session. We’ll assess your problem-solving, product thinking, and strategic reasoning. • Executive Interview (30 min) – Conversation with our CPO about product strategy and vision, plus discussion of your leadership, stakeholder management, and execution experience. Application care: every single application we receive is reviewed by a human (yes, hundreds of them) because we believe that candidates' efforts should be matched by an equal level of human care. This means that we expect a similar level of attention put into your application. Read and answer the application questions carefully, they make a huge difference in our decision-making process. Profile to role fit: highlight most important aspects of the role, points that might get misunderstood, any specific industry requirements etc. Show me the benefits • 💳 Your own Pleo card (no more out-of-pocket spending!) • 🍜 Lunch is on us for your work days - enjoy catered meals or receive a lunch allowance based on your local office • 🏥 Comprehensive private healthcare - depending on your location, coverage options include Vitality, Alan or Médis • 🌴 We offer 25 days of holiday + your public holidays • 🏠 For our Team, we offer both hybrid and fully remote working options • 🏖️ Option to purchase 5 additional days of holiday through a salary sacrifice • ❤️‍🩹 We use MyndUp to give our employees access to free mental health and well-being support with great success so far • 👶 Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work About your application • Please submit your application in English; it’s our company language so you’ll be speaking lots of it if you join 💕 • We treat all candidates equally: If you are interested please apply through our application system - any correspondence should come from there! Our lovely support team isn't able to pass on any calls/ emails our way - and this makes sure that the candidate experience is smooth and fair to everyone 😊 • We can only achieve our goals if our team reflects the diversity of the world around us - and that starts with you, hitting apply, even if you are worried you might not tick all the boxes. We embrace and encourage people from all backgrounds to apply - regardless of race/ethnicity, colour, religion, nationality, gender, sex, sexual orientation, age, marital status, disability, neurodiversity, socio-economic status, culture or beliefs. • When you submit an application we process your personal data as a data processor. Find out more about how your data is used in the FAQs section at the bottom of our jobs page.