Product Manager- Savings & ISAs
ConstantinopleCore Banking company
London, United KingdomSenior
Prosus Ventures
Square Peg Capital
Airtree Ventures
Great Southern Bank
Product
About the role
TL;DR
Owns the Savings and ISA product suite for UK clients, defining strategy and roadmap.
- •Constantinople delivers a new era of AI-native banking.
- •Constantinople provides banks with a fully-managed software and AI operational platform, which brings together customer experience, product, data, operations, compliance and infrastructure in a single platform.
- •Constantinople’s AI-native platform eliminates the need for expensive infrastructure, and replaces manual operational and compliance processes with AI at scale.
- •By removing the operational complexity of banking, Constantinople enables our client banks to focus on their customers and the business of banking.
- •The Role You will own the Savings and ISA product suite for our UK clients, end to end.
- •You will set its strategy, decide what gets built and why, and be accountable for how it performs once it is live with the banks and building societies we serve.
- •You will build products that our clients can launch quickly and run with confidence, from easy access and notice accounts to fixed-term bonds and Cash ISAs.
- •That means getting the detail right on interest, transfers, allowances, and reporting, and making sure every product meets HMRC ISA rules and FCA requirements from day one.
- •You will work closely with Software Engineering, Solution Engineering, Product Design, Operations, and Risk and Compliance.
- •You will also help shape how automation and AI can take the manual work out of savings operations, so our clients can focus on their customers.
- •What you will do Define the vision, strategy, and roadmap for UK Savings and ISA products, aligned with company goals and client needs.
- •Own the product suite, including easy access, notice, fixed-term, and regular savings accounts, and Cash ISAs, with flexible ISA and Junior ISA capabilities where clients need them.
- •Make sure ISA products comply with HMRC ISA regulations, including subscription limits, flexible ISA rules, ISA transfers in and out, and HMRC reporting and returns.
- •Work with Legal, Risk, and Compliance teams so products meet FCA and PRA requirements, including Consumer Duty, fair value assessments, and FSCS disclosure and Single Customer View requirements.
- •Build interest management capabilities, such as rate changes, tiered and bonus rates, maturity handling, and customer notifications.
- •Stay ahead of UK savings market trends, competitor movements, and regulatory change, including any reforms to ISA rules and allowances.
- •Write clear product requirements, and work with engineering and design teams to build, test, and ship solutions.
- •Own go-to-market for new products and major releases, working with Solution Engineering, Delivery, and client teams.
- •Work with clients to understand their savings strategy, such as deposit gathering, funding targets, and rate positioning, and turn it into product capabilities.
- •Define, measure, and analyse product metrics to drive insights, inform the roadmap, and iterate toward the best outcomes.
- •Automate savings operations, such as account opening, maturities, ISA transfers, and reconciliations, to reduce manual work for our clients.
- •Manage relationships with key partners and service providers, such as payments, identity verification, and ISA transfer providers.
- •Who You Are You have 5+ years of experience in product management, with significant time on UK savings products.
- •You have hands-on experience with Cash ISAs, and you understand HMRC ISA regulations, transfers, and reporting.
- •You know the UK regulatory landscape for savings, including Consumer Duty, FSCS, and the requirements set by the FCA and PRA.
- •You have taken products from idea to launch, and then improved and scaled them in market.
- •You are technical enough to engage credibly with engineers on architecture, integrations, and trade-offs.
- •You explain complex ideas simply to technical and non-technical audiences.
- •You make decisions with data, and you know which metrics show whether a product is working.
- •You have a track record of driving alignment across many stakeholders, inside and outside the business.
- •You have a bias for action and a willingness to do whatever it takes to solve hard problems and delight users.
- •Nice to have Experience at a challenger bank, digital savings platform, or building society.
- •Experience with Lifetime ISAs, Stocks and Shares ISAs, or savings marketplaces.
- •Experience with core banking platforms, or B2B or platform products serving financial institutions.
- •Experience with UK payments, such as Faster Payments, Bacs, and Confirmation of Payee.
- •Startup or scale-up experience.
Required skills
Product ManagementProduct StrategyGo-to-MarketProduct AnalyticsPRDsOKRsRoadmappingCustomer DiscoveryCompetitive AnalysisProduct OperationsAgileScrum
Nice-to-have skills
User ResearchGrowth MarketingProduct Marketing
Domain expertise
fintech
Tech stack
PythonJavaScriptSQLAWSAzureGoogle CloudDockerKubernetesCI/CDGitLinuxJiraConfluenceFigmaPostmanREST APIProduct ManagementAgileScrumRoadmappingStakeholder ManagementPRDsOKRsWireframingPrototypingProgram ManagementProject ManagementCustomer SuccessCustomer OnboardingImplementation Management