Senior Product Manager - Spend Management

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12-month Fixed-Term Contract (Maternity Cover)

We're currently looking for an exceptional Senior Product Manager to lead our Debit Cards & Spend Management squad. This is a 12-month FTC with potential to go permanent after the initial period.

If you're driven by the challenge of building best-in-class debit card experiences for SMEs, and are passionate about empowering customers through smart, seamless spend solutions-then we want to hear from you.

Your Impact at OakNorth

As a Senior Product Manager - Spend Management, you'll take ownership of our card and spend management proposition. You'll drive strategy, collaborate across teams, and play a pivotal role in evolving our debit card product and infrastructure.

What you'll do:

• Own and drive the product roadmap for debit card and spend management solutions, aligned to our customer and business goals.
• Shape the strategic agenda for our card programme, including product capabilities, operational scalability, and innovation opportunities.
• Act as the subject matter expert on debit card products and spend management-across internal and external teams.
• Collaborate with third parties including card processors (e.g., Marqeta), card networks (e.g., Visa), and other service providers to deliver a resilient, compliant and scalable product.
• Support internal stakeholders, including Operations, Compliance, Finance and Customer Support teams, in resolving card-related queries and operational issues.
• Define and monitor OKRs for your area, driving measurable outcomes and continuous product improvement.
• Conduct user research and discovery, engaging SMEs to understand their needs around card spend, control, and reconciliation.
• Lead cross-functional teams across Product, Engineering, Design and Business to ship impactful features that scale.

What we're looking for

• You're someone who has:
• Proven experience managing digital card products (ideally debit or prepaid), within a fintech, bank or card programme manager.
• Strong understanding of the end-to-end card ecosystem-including card issuing, transaction flow, authorisation/decline logic, network rules, disputes, fraud, and reconciliation.
• Experience working with multiple third-party providers, such as processors, KYC/AML vendors, accounting integrations, card manufacturers, and fraud tools.
• The ability to confidently support cross-functional teams with product-level and operational knowledge of card programmes.
• A passion for building financial products that are user-friendly, reliable, and solve real business needs.
• A strong grasp of product lifecycle management-from discovery and MVP scoping to scaling and optimisation.
• Excellent communication and stakeholder engagement skills, including presenting to leadership and collaborating with compliance or risk functions.

Bonus if you:

• Have worked on employee card, spend management or subscription control tools for business banking customers.
• Have supported card tokenisation, card controls, FX, or expense categorisation features.
• Are familiar with accounting integrations (e.g. Xero, QuickBooks) and how spend data connects to back-office systems.

How we expect you to behave

• We embrace difference and know that when we can be ourselves at work, we are happier, more motivated and creative. We want to be able to bring our whole selves to work, have our own perspectives and know that we belong. As such, through your behaviours at work, we expect you to reflect and actively sustain a healthy engineering environment that looks like this:
• A wide range of voices heard to the benefit of all
• Teams that are clearly happy, engaged, and laugh together
• Perceivable safety to have an opinion or ask a question
• No egos - people listen to and learn from others at all levels, with strong opinions held loosely

What Makes Working Here Better

• This role offers the opportunity to work closely with the team, requiring a minimum of 3 days per week in the office to foster hands-on collaboration and innovation.
• Work-life balance - 25 days holiday (plus bank holidays) each year, and enhanced family leave allowances.
• Competitive salary & equity - We want people to have a serious stake in the business.
• Good kit - Your choice of the best laptop, running macOS or Ubuntu.
• Team socials - The opportunity to get to know each other outside of work.
• Company socials - A chance to catch up and meet new colleagues weekly over informal office breakfasts and dinners on OakNorth - or at our free barista bar every day.
• Commuter support - We offer the cycle to work & EV scheme

About Us

We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.

Banking should be barrier-free. It's a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools.

And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market.

But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed.

Our story

OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said 'no'. Unfortunately, all major banks in the UK were using the same computer - and it was broken.

Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan?

The industry was backward-looking and too focused on historic financials, rather than future potential.

So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses?

No more what ifs, OakNorth Bank exists.

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