Job Overview
Location
United Kingdom
Job Type
Full-time
Category
Data Science
Date Posted
May 22, 2026
Full Job Description
đź“‹ Description
- • Own the end-to-end roadmap for LemFi’s credit products, driving strategy, prioritization, and execution to scale lending performance across acquisition, underwriting, servicing, and collections.
- • Diagnose credit portfolio performance using granular data on conversion rates, loss rates, activation, retention, and vintage curves to identify opportunities for product improvements that move key business metrics.
- • Partner directly with engineering teams on requirements, edge cases, QA, and launch execution — not just facilitating ceremonies — to ensure high-quality, timely delivery of credit features.
- • Leverage AI tools instinctively to automate internal workflows, accelerate prototyping, reduce toil, and enable product experiences that are economically unviable without AI-driven efficiency.
- • Translate complex portfolio insights and commercial trade-offs into clear, actionable narratives for leadership, risk, compliance, operations, and commercial stakeholders.
- • Manage cross-functional alignment between Credit Risk, Decision Science, Operations, Compliance, and Commercial teams to ensure cohesive execution and protect team focus.
- • Track and report on critical KPIs including acquisition cost, credit penetration, retention, loss rates, and unit economics, communicating results and strategic trade-offs transparently.
- • Operate as a hands-on product owner embedded within the Credit function, acting as the bridge between data, engineering, risk, and business goals to deliver scalable credit solutions.
- • Use SQL or equivalent analytical skills to independently interrogate data and form hypotheses — never relying on analysts to generate insights or validate assumptions.
- • Apply strong commercial instincts to balance growth, risk, customer experience, and unit economics in every product decision, treating the credit portfolio as a live financial instrument with real capital at stake.
- • Drive innovation in credit decisioning by integrating scorecards, decision engines, and risk models into product flows to improve approval rates, reduce defaults, and enhance user experience.
- • Maintain deep familiarity with the full lending lifecycle, ensuring product changes are designed to optimize performance at every stage from application to collections.
- • Champion a data-driven culture by testing hypotheses, owning outcomes, and iterating based on real-world performance rather than assumptions or intuition.
- • Uphold LemFi’s values of sharp customer focus, lead with data, ownership, and grit by prioritizing high-impact work that delivers tangible financial inclusion for global immigrants.
🎯 Requirements
- • 5+ years of product management experience in consumer credit, lending, or fintech with hands-on management of a live lending portfolio
- • Prior experience in credit risk, marketing analytics, finance, or data science — with meaningful time spent in an analytical function, not just consuming dashboards
- • Strong commercial instinct and fluency in unit economics, loss rates, conversion funnels, and vintage performance
- • SQL fluency or equivalent analytical skill to independently form and test hypotheses without relying on analysts
- • Demonstrable experience using AI tools to drive efficiency, quality, and delivery speed in product development, with specific examples
- • Strong cross-functional stakeholder management across risk, engineering, operations, and commercial teams
🏖️ Benefits
- • Opportunity to build financial tools that directly improve the lives of millions of global immigrants by providing access to fair, affordable credit
- • Work with a global team of 400+ spanning 20+ countries on a mission-driven product used by millions
- • Be part of a Series B company processing over $1B in monthly transactions across 30+ countries
- • Culture rooted in data-driven decision-making, ownership, and grit, where impact is immediate and measurable
- • Autonomy to lead product strategy and execution with direct influence on the company’s credit business growth
- • Inclusive environment that values diverse backgrounds and encourages applicants who may not meet every requirement but align with the mission
Skills & Technologies
Android
Product Management
Senior
Onsite
About RightCard Payments Limited
RightCard Payments Limited operates Lemfi, a digital remittance platform enabling immigrants in the UK, Europe, Canada and the US to send money to Africa, Asia and Latin America quickly and at low cost through mobile apps and local payout networks.
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