Product Lead (Consumer Lending)

Location: London, United Kingdom; hybrid with 3 days a week in the office.

Company

hirify.global is a UK fintech using advanced AI and Open Banking data to provide fair, affordable personal finance and unsecured personal loans.

What you will do

• Own the Express/Mid-prime unsecured personal loan product, including its proposition, roadmap, performance, economics, and balance between growth and credit quality.
• Lead quoting and offer presentation across aggregator and price-comparison marketplaces, optimising eligibility, risk-based pricing, and offer design.
• Own the customer journey from quote to disbursal, including Open Banking data collection, conversion, drop-off, and book quality.
• Shape underwriting strategy, segmentation, credit policy, decisioning logic, and credit model calibration with risk and data science teams.
• Monitor portfolio performance, unit economics, adverse selection, emerging risks, and opportunities across the customer lifecycle.
• Design experiments, define management information, make actionable recommendations, and present product updates to senior leadership and governance forums.

Requirements

• Around four to five years of experience in product, credit strategy, analytics, or a closely related role within consumer lending or fintech.
• Experience in unsecured consumer lending, ideally Unsecured Personal Loans, including exposure to customer acquisition through price-comparison or aggregator marketplaces.
• Hands-on SQL skills and the ability to analyse datasets independently; experience with Python or R is expected as an analytical advantage.
• Experience working with or alongside credit decisioning, scorecards, or risk models, including how they are built, monitored, and adjusted for a specific population.
• Experience with pricing, eligibility, offer design, experiments, or A/B tests.
• Evidence of using analysis to influence decisions and accountability for commercial results.
• Strong written and verbal communication skills, including the ability to present clearly to senior stakeholders.
• Ability to collaborate credibly with risk, commercial, engineering, and data science teams.
• Ability to balance customer needs, conversion, growth, portfolio performance, and unit economics in a scaling environment.

Nice to have

• Direct experience in higher-APR or near-prime lending.
• Experience with Open Banking data or cashflow underwriting.
• Experience in a fast-growing fintech.
• Experience with Python or R for analysis, in addition to SQL.

Culture & Benefits

• Hybrid work with 3 days per week in the office.
• Equity and an employee loan.
• 25 days of annual leave plus 8 bank holidays.
• Two paid volunteering days per year and a paid one-month sabbatical after four years.
• Free gym membership and a team wellness budget.