Senior Product Manager
We're Capital on Tap ðð3 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 officeProduct at Capital on TapOur 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 propositionCredit Products & Collections – credit lines, limits, pricing and collectionsCustomer Experience – the ongoing relationship customers have with us after activationOperational Excellence – the tools and processes that make our internal teams more effectiveAcquisition & Onboarding – how new and existing customers sign up and get activatedFraud & FinCrime – protecting customers and the business from fraud and financial crimePlatform – the shared capabilities and infrastructure that other product areas build onWhat You'll Be DoingOwning 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 restActing as the peer voice on your area for leadership, not the delegate who brings back optionsBringing 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 noiseSpotting within minutes whether a new idea has been tried before, whether it fits, and what the real trade-off isDistilling complexity into well-framed discussion points that let stakeholders and engineers contribute meaningfully, rather than needing to be talked through everythingSteering 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 updatesCarrying 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 deskAbsorbing noise so engineers can work in flow, and keeping scope honestDepending on the scope of your area, you may line-manage PMs or APMsWhat We're Looking For5+ years of experience in product management, with a proven track record of owning an area autonomously and having your decisions stick without reviewA gut that's earned trust because it's been right before, backed with data rather than hidden behind itSubject matter mastery: you can walk into a conversation about your domain and already know where it's goingStrong facilitation and communication skills — you can take a complex problem and turn it into something others can act onA track record of carrying multiple concurrent workstreams to delivery without things slipping quietlyComfort working across both front-end user experience and back-end system architectureEither existing knowledge of financial services and compliance concepts (for example KYC, KYB, IDV), or direct journey optimisation experience, ideally bothExperience partnering with Engineering and Design to communicate direction to stakeholders, up to leadership levelPrior experience line-managing PMs or APMs is a plus, though not required for every areaOur Hiring BarAlongside 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 explores AI tools in their day-to-day work, rather than treating it as someone else's job.
Strong exec-level communication – Confident presenting up, comfortable being challenged, backs decisions with evidence rather than opinion.
Self starter – Moves without waiting to be told or chased. Takes ownership of problems even outside a strict brief.
Depth – Can go beyond the surface on their own product area – understands the mechanics, edge cases and trade-offs, not just the headline feature.
Interview ProcessStage 1: A quick 30-minute virtual intro with our Talent team to get to know you.
Stage 2: Meet a Lead Product Manager or Director of Product for 60 minutes. We can host you in the office or meet virtually.
Stage 3: A 45-minute office interview with 2–3 members of the wider Product/Engineering team, plus a further 45-minute interview with the Director of Product.
Stage 4: A 30-minute chat with the CEO.Our Values & CultureJust Pilot – We never settle for "good enough". We pilot new ideas fast, ask questions to figure it out, and scale quickly.
Why Not Today? – Fast is as slow as we go. Speed and simplicity give us a competitive advantage.
Be a Buddy – We tap in from day one to help the team, we do the right thing even if it's hard.
Owners and Dates – We don't chase people. If you own a task and agree to a date, the expectation is that it gets done.
Feedback – We want our employees to flourish, so we regularly provide direct and constructive feedback.
Diversity & Inclusion ðWe welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great PerksWe try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:ð Private Healthcare including dental and opticians services through Vitality Worldwide travel insurance through Vitalityð Anniversary Rewards (250, 500, 750, 4-week fully paid sabbatical)ð Salary Sacrifice Pension Scheme up to 7% matchð Octopus EV Salary Sacrifice Schemeð 28 days holiday (plus bank holidays)ð Annual Learning and Wellbeing Budgetða Enhanced Parental Leaveð2 Cycle to Work Schemeð Season Ticket Loanð 6 free therapy sessions per yearð¶ Dog Friendly Officesð« Free drinks and snacks in our officesCheck out more of our benefits, values and mission here.
Other InfoðCheck out our 'Top Tips' for interviewing.
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Excited to work here? Apply!
If you'd like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)