Overview

Senior Product Manager – Spend Management. 12-month Fixed-Term Contract (Maternity Cover) with potential to go permanent after the initial period. Based in London, United Kingdom. The role leads the Debit Cards & Spend Management squad at OakNorth and focuses on building best-in-class debit card experiences for SMEs and empowering customers with smart, seamless spend solutions.

Join to apply for the Senior Product Manager – Spend Management role at OakNorth.

Responsibilities

• Own and drive the product roadmap for debit card and spend management solutions, aligned to customer and business goals.
• Shape the strategic agenda for the card programme, including 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 (card processors, card networks, and service providers) to deliver a resilient, compliant and scalable product.
• Support internal stakeholders (Operations, Compliance, Finance, Customer Support) in resolving card-related queries and operational issues.
• Define and monitor OKRs to drive measurable outcomes and continuous product improvement.
• Conduct user research and discovery, engaging SMEs to understand needs around card spend, control, and reconciliation.
• Lead cross-functional teams (Product, Engineering, Design, Business) to ship impactful features at scale.

Qualifications

• Proven experience managing digital card products (ideally debit or prepaid) within fintech, banking or card programme management.
• Strong understanding of the end-to-end card ecosystem—issuing, transaction flow, authorisation/decline logic, network rules, disputes, fraud, and reconciliation.
• Experience working with multiple third-party providers (processors, KYC/AML vendors, accounting integrations, card manufacturers, fraud tools).
• Ability to support cross-functional teams with product-level and operational knowledge of card programmes.
• Passion for building financial products that are user-friendly, reliable, and solve real business needs.
• Strong product lifecycle management skills—from discovery and MVP to scaling and optimisation.
• Excellent communication and stakeholder engagement, including presenting to leadership and collaborating with compliance or risk functions.

Bonus

• Experience with employee card, spend management or subscription control tools for business banking.
• Experience with card tokenisation, card controls, FX, or expense categorisation features.
• Familiarity with accounting integrations (e.g., Xero, QuickBooks) and spend data integration with back-office systems.

Behavior and Culture

• Commitment to an inclusive environment where diverse voices are heard and valued.
• Teams that are engaged, collaborative, and respectful; safe to ask questions and share opinions.

Benefits and What Makes Working Here Better

• Minimum 3 days per week in the office to foster hands-on collaboration and innovation.
• Work-life balance with 25 days holiday (plus bank holidays) and enhanced family leave.
• Competitive salary and equity to align incentives with company success.
• Choice of laptop (macOS or Ubuntu).
• Team and company social events and ongoing community activities.
• Commuter support with cycle-to-work and EV schemes.

About OakNorth

OakNorth Bank empowers entrepreneurs to realise their ambitions by applying data intelligence to everyday decisions and providing barrier-free banking. We strive to create an inclusive and diverse workplace where people can thrive.