Principal Product Manager, Platform Capabilities

WE’RE ON A MISSION TO BACK THE UK’S SMALL BUSINESSES LIKE NO ONE ELSE 🚀 Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks. At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts. We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better. The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy 📈 Come and join a mission that matters! [Read our Impact Report https://www.fundingcircle.com/uk/impact] | [See our Trustpilot https://uk.trustpilot.com/review/fundingcircle.com] THE ROLE ⚡ 📍 London (Hybrid) | 🤝 2 days in the office | 💰 Competitive Salary + Benefits We've grown from a single loans product into a multi-product lending and spending platform, and every product on it runs on the same handful of shared capabilities: the customer data we hold, the interactions with third parties like credit agencies & open banking, identity and access that keeps it all secure, CRM that keeps our customer facing teams running, and the engineering platform everything is built with. Get those right and all the other teams are faster, happier and more productive! This role is the Principal PM leading this platform, and reports into our Head of Engineering for Platform Capabilities. As the Product Lead across our platform capabilities, you'll: - Take time to truly understand internal customers like Risk, Operations, Sales and other Engineering teams & product teams, navigating competing priorities that don't always neatly align. - Set the strategy and roadmap for the platform capabilities the rest of the company builds on: identity and access, the services that tell every team who a customer is, and the engineering platform that makes our products tick. - Own migrations and decide when an option makes sense. When it does, committing and getting teams off the old version of something and onto the new one. - Partner with Architecture, Product Engineering and with the Product leads on Loans, FlexiPay and Cards, so your roadmap and theirs are one aligned conversation. - Participate in regular discovery with other functions, on the change management that gets them to adopt, and on deciding what to build next. - Ensure that the teams using these capabilities are able to ship faster and solve their own problems without coming to you. WHAT WE’RE LOOKING FOR 🌱 - Experience owning something other teams depended on by earning their adoption; not mandating it. - Enough technical depth for a straight conversation with Engineers about trade-offs, interfaces, and what a migration will cost, without losing sight of when to hand off technical decisions to them. - You can hold your own with Risk, Operations or Sales, with no authority over any of them. You go and find their next problem. You don't wait for a ticket. - Considered as AI-native, having built with Claude Code or Codex or similar, and you bring that into how you and your team design and build to support and not replace the core disciplines and values of good product management. - Ability to write and present clearly enough to get Architecture, Engineering, and Product leadership behind the same roadmap. SKILLS WE’D LOVE TO SEE: - Experience working in fintech, or another regulated business with operational complexity. - Experience running a migration of