Product Manager

London | Hybrid, 1-3 days in the office | Reporting to: Product Lead

About Elect Capital

Elect Capital is changing how SMEs access funding. We provide fast, flexible working capital loans, business loans, and merchant cash advances - no red tape, no slow decisions. Live across the UK, Australia, Canada, and the US, and scaling fast, we give SMEs the speed and flexibility traditional lenders can't.

Our Mission

We exist to give SMEs the capital and confidence to grow - fast, fair, and friction-free. Every ambitious business deserves a real shot at growth, not months of paperwork. We've built lending for speed, without cutting corners on fairness. When SMEs win, we win.

About the role

You'll own the product suite for all of Elect Capital's UK, Canadian and Australian markets on the lending platform we share with our sister business, MCL Finance. You'll turn what our operations teams need into clear, testable specs and keep a steady flow of ready work in front of our engineering team.

What you'll be doing

• Own the feature request process for our UK, Canadian and Australian markets: take in ideas, prioritise them and agree scope
• Write tickets and acceptance criteria that engineers can build and testers can check against
• Run constant discovery with operations, finance and collections teams in each market, keeping our backlog full and engineers busy
• Steady the platform as each market goes live on it: sort real problems from nice-to-haves, and protect engineering from churn
• Write release notes and train the teams on new changes, then check whether it worked

Requirements

What you’ll bring

• Curiosity that doesn’t switch off. You keep asking why until you reach the real problem, and you’d rather spend an afternoon with the sales team than guess from an incomplete dashboard.
• Range with people. You’re as at ease with a collections agent, an engineer or our CEO, and you can explain the same change to each of them in their terms.
• Strong opinions, loosely held. You make a call and will put it in writing, but when new evidence says otherwise you change it quickly and without ego.
• The nerve to say no, and to explain why, so the work that matters gets done.
• Clear, short writing. Your specs and updates leave nothing to guess.
• Comfort without a playbook. We’re a small team, so you’ll build as much of the process as you follow.
• Product experience, in any sector. We care more about how you think than where you’ve worked.
• You use AI tools every day and have views on where they help and where they hinder.

Bonus

• You’ve worked in fintech, lending or another regulated business
• You’ve worked with teams in another country or time zone

Benefits

Our Offer

• 25 days annual leave (plus bank holidays)
• Private health insurance with AXA
• Income protection
• Life assurance
• Statutory pension
• Fully stocked snacks, drinks, and coffee machine
• Mondays - lunch is on us!
• Flexi bank holidays
• Study leave
• Bereavement leave (5 days)
• Sick leave (5 days)