Product Manager

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 We're hiring a Product Manager to join this team. We will decide, together with you, which of these areas is the best fit at the end of the hiring process - so you don't need to know in advance which team you'll land in. What matters is that you bring strong generalist product management skills that can flex across any of these areas. What You'll Be Doing Owning the end-to-end design and delivery of a customer or business journey within your product area Mapping the full journey including "unhappy paths", where customers drop off, get flagged, or need manual intervention, and optimising for efficiency Driving discovery and competitor research to identify opportunities for improvement Collaborating with engineers and designers to scope solutions, balancing customer experience with system architecture and compliance requirements Presenting recommendations to stakeholders and driving delivery through to completion Thinking longer-term about platform capabilities, building reusable, configurable components that scale rather than being rebuilt for every product Using data and customer insight to prioritise the right problems, not just the loudest ones What We're Looking For 2+ years of experience in product management, with a track record of owning projects…