Senior Product Manager

Capital on Tap · London

  • Senior
  • Full-time
  • Posted 2026-06-09
  • Confirmed live on 25 September 2026

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Job description

We’re Capital on Tap 👋
💳 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!

Location: London | 3 days in office

Product at Capital on Tap

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:

• Money movements and Banking products – our business banking proposition

• Credit Products & Collections – credit lines, limits, pricing and collections

• Customer Experience – the ongoing relationship customers have with us after activation

• Operational Excellence – the tools and processes that make our internal teams more effective

• Acquisition & Onboarding – how new and existing customers sign up and get activated

• Fraud & FinCrime – protecting customers and the business from fraud and financial crime

• Platform – the shared capabilities and infrastructure that other product areas build on

What You'll Be Doing

• Owning an area end-to-end: making most product calls yourself, without seeking sign-off. You consult on the high-stakes calls and decide-and-inform on the rest

• 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 — you already know the competitive discourse, the customer pulse, and which questions actually matter versus which are noise

• 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, rather than needing to be talked through everything

• Steering conversations toward the right outcome without needing to be right yourself, and giving others just enough context, just in time, so they stop chasing you for updates

• 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

What We're Looking For

• 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

Our Hiring Bar

Alongside the role-specific experience above, every Product Manager candidate is assessed against a shared set of traits that we look for regardless of level or product area. At Senior level, we expect to see clear, demonstrated evidence of these — not potential.

• Ships fast to customers – Gets things live quickly rather than over-polishing before release. Comfortable with iterative, incremental delivery.

• Deals with ambiguity, adapts when priorities or requirements shift – Doesn't need a fully-formed brief to start moving. Handles the plan changing mid-flight without getting stuck.

• Commercial acumen – Understands the business, the strategy, and how their product area drives outcomes such as revenue, retention or cost, not just delivery for its own sake.

• Hungry to learn, no ego – Wants to develop, asks questions, takes feedback well.

• AI curious – Actively uses or e

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