Product Manager — Cards & New Products
We built products for a market most banks ignore. Now we're building the next one.
Ayan Capital is an FCA-authorised direct lender focused on building ethical consumer finance products in the UK. Our car finance product is live and scaling. Now we're designing a card product from scratch — for an underserved market of over 4 million people.
We're hiring a Product Manager to take this from concept to launch. You'll define the proposition, build the business case, design the customer journey, navigate the regulatory requirements, and ship it. This isn't a roadmap execution role — it's a build role, and genuine build roles in regulated financial services are rare.
What You'll Do
• Define and launch Ayan's card product from concept to market
• Lead product discovery: customer research, competitive analysis, regulatory scoping, technical feasibility
• Build the business case — unit economics, pricing model, go-to-market strategy
• Design the end-to-end customer journey: application, onboarding, transaction experience, servicing, collections
• Make build-vs-buy decisions on infrastructure, processors, and scheme relationships
• Work with Compliance to ensure the product is FCA-ready from day one
• Coordinate with engineering to scope, build, test, and iterate
• Own the product roadmap post-launch — features, improvements, and expansion based on real customer data
• Explore adjacent product opportunities as the platform grows
What We're Looking For
• 4–7 years of product management experience with meaningful exposure to payments, cards, or consumer financial products
• You've built something new before — defined the proposition, scoped the MVP, shipped it to market
• Strong commercial thinking — you can build a P&L model, define pricing, and articulate unit economics clearly
• Experience in a regulated financial services environment — you understand what launching a compliant product actually involves
• Comfortable with ambiguity — the card product doesn't exist yet and you'll need to create structure where there is none
• You can align engineering, compliance, commercial, and leadership stakeholders without needing to be managed through it
• Opinionated about product but evidence-driven
Nice to Have
• Direct experience launching a card or payments product in the UK
• Familiarity with card scheme requirements (Visa/Mastercard), BIN sponsorship, or issuer-processor relationships
• Exposure to ethical or Islamic finance
• Background working with programme managers or Banking-as-a-Service providers
• Startup or scale-up experience where you've built with limited resources
Why Ayan
• A genuine zero-to-one build role in regulated financial services
• You're building for a large, underserved market with real commercial rationale
• FCA-authorised platform with existing customers, infrastructure, and funding — this isn't a pre-revenue idea
• Direct access to senior leadership with fast decision-making
• Competitive salary, equity options