Principal Product Manager - Credit

Company Description

Hello! We're Teya.

Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance.

At Teya we believe small, local businesses are the lifeblood of our communities.

We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street.

We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters.

We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us.

Become a part of our story.

We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

Job Description

We are looking for an innovative, self-driven and customer-centric Principal Product Manager. You will play a key role in scaling Teya’s existing credit product and bringing new ones to market.

The role will entail:

·       Contributing to the credit product vision and strategy. Particularly in areas related to underwriting, decisioning and portfolio management.

·       Owning delivery of specific roadmap items and building new product roadmaps in the future.

·       Working closely with product design, engineering, risk, compliance, and other key internal stakeholders to build and deliver new product features.

·       Performing regular customer interviews, running A/B tests and performing analyses to identify opportunities and inform feature prioritisation.

·       Working closely with finance and accounting teams to build robust backend financial processes for controllership and liquidity management.

·       Collaborating closely with risk and other internal teams to carefully manage credit exposure.

·       Working with senior leadership and finance teams to develop forecasts for planning cycles; and building business cases to justify investments in new areas.

·       Refining existing mechanisms and developing new ones to inspect product metrics on a regular basis.

·       Using your excellent communication skills to advocate for the product and achieve alignment at all levels of the business.

·       Contributing to building a strong product culture within Teya.

Qualifications

The successful candidate will be customer-first in their approach, extremely detail orientated and comfortable working in a dynamic and fast-paced organisation. The ideal candidate will have experience working on an SMB lending product in the past – ideally at a scaling fintech.

• Experience and abilities we are specifically looking for include:
• Bachelor’s degree in a science or business-related field. Master’s degrees a plus.
• 5+ years of experience working on lending products. Experience in B2B lending, particularly with SMBs is a plus.
• Strong understanding of underwriting, portfolio management and collections principles.
• Experience working with credit bureaus and/or other data providers for credit decisioning.  
• Proven track record of delivering new products and features. Experience scaling an early-stage product at a fintech is a plus.
• Solid understanding of lending dynamics in Europe with a firm understanding of lending regulation.
• High attention to detail, with ability to work on multiple priorities at the same time.
• Excellent communication and presentation skills. Able to influence at all levels within the organisation using clear data and documentation.
• Strong quantitative and analytical skills. Self-service skills in pulling and processing data is a plus (incl. proficiency in SQL).
• Strong stakeholder management skills.

Additional Information

• We trust you, so we offer flexible working hours, as long it suits both you and your team;

• Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness and nutrition apps;

• Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support;

• Cycle-to-Work Scheme;

• Health and Life Insurance;

• Pension Scheme;

• 25 days of Annual Leave (+ Bank Holidays);

• Office snacks every day;

• Friendly, comfortable and informal office environment in Central London.