Description

Product Manager - Operations (DE)

Hybrid in London, United Kingdom; Berlin or Frankfurt, Germany

We're looking for a Product Manager!

Help shape the systems powering iwoca's fast growing German business. You'll turn complex operational workflows into scalable, streamlined experiences that help teams work smarter, faster and with more impact. From automation to AI driven processes, you'll build the tools that unlock productivity and fuel growth.

The company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether a business is managing cash flow or seizing unexpected opportunities, we ensure they get the funds they need - often within minutes.

The team

As our German business grows at pace, we've established dedicated teams to support and accelerate local success. You'll join the team enhancing and expanding the internal tools used by colleagues serving customers in Germany. These include our proprietary CRM and the systems powering calls, emails, notifications, underwriting and collections. More than 300 people across sales, customer success, credit, broker management and collections rely on these tools every day.

Germany is scaling fast, and that creates a unique opportunity. We're moving from incremental improvements to rethinking how work happens. That means building automation, leveraging AI supported workflows and redesigning processes so our teams can focus on what matters most. The challenge is to be bold, while remaining grounded in real customer needs and operational realities. You'll make sure we prioritise impact, not novelty.

The role

In this role, you'll work closely with commercial teams to identify high-value opportunities and drive improvements that boost productivity and unlock growth. You'll collaborate with the UK product team, who originally developed these internal systems, ensuring consistency across markets while tailoring solutions to the needs of our German operation. As Product Manager, you'll create clarity and prioritise work that delivers meaningful impact. From refining everyday workflows to designing automated and AI assisted processes, you'll guide the team through discovery, delivery and iteration, making sure improvements are robust, scalable and adopted across the business.

Your responsibilities will be:

• Lead the development and ownership of the team roadmap, with a strong focus on scaling our operations, introducing automation and designing AI supported workflows where they have the highest impact
• Run effective prioritisation, weighing customer value, operational impact and technical effort, and manage stakeholder engagement so that expectations and trade offs are clear
• Actively engage in the discovery and evolution of the broader team roadmap and harness both qualitative and quantitative methodologies to uncover fresh insights and opportunities, fostering a culture of continuous improvement
• Break down complex technical and operational challenges into manageable components and facilitate effective problem solving within the team, fostering agility and adaptability
• Collaborate closely with programmers, designers and data specialists to craft clear product and feature requirements, ensuring alignment with business objectives, user needs and operational constraints
• Be in charge of the swift delivery of new features, managing step by step the intermediate milestones and removing blockers
• Ensure the quality of delivery by following up post release to proactively find bugs and understand how changes are used in practice
• Post release, evaluate the impact of the project to determine whether the objectives were achieved and the value was realised (and if not, work out what we can learn from it and what we could do to improve it)
• Be the voice of the team, working closely with business stakeholders to make sure that Tech and the business stay aligned on progress and goals, and that new ways of working are understood, adopted and embedded in day to day operations

The requirements

We look for people who are smart, humble, motivated and who are always looking to improve.

Essential:

• Significant experience in either a project/product management role or a technical (programming or analyst) role, with a proven track record of tackling complex, ambiguous problems.
• A first-principles thinker: you're comfortable questioning how things are done today, stripping problems back to their fundamentals and designing smarter ways forward.
• A sharp commercial mindset, so you can understand business priorities, challenge assumptions and focus developer time where it creates the most value.
• Relentlessly delivery focused, with a strong track record of driving progress across multiple projects and stakeholder relationships at the same time.
• Deep curiosity and persistence in getting to the root cause of issues, breaking them down into clear, solvable components and turning insight into action.
• A true team player with the right mix of confidence, gravitas, humility and enthusiasm to bring others with you in a fast-growing, resource-constrained environment.
• Excellent communication and interpersonal skills: you can tell a clear story, influence decisions, handle pushback and build trusted relationships across technical and commercial teams.

Bonus:

• A strong interest in technology and how software is built, even if you aren't a developer.
• Comfortable working with data and analytical thinking. You enjoy reasoning through systems and understanding how things fit together.
• An appreciation for user centred design and an eye for what makes workflows simple and intuitive.
• Motivated by our mission and excited about helping small businesses thrive.

The salary

We expect to pay from €60,000-€80,000 for this role. But, we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

The culture

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.

The offices

We put a lot of effort into making iwoca a great place to work:

• Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
• Events and clubs, like bingo, comedy nights, football, etc.

The benefits

• Flexible working hours.
• Medical insurance from Vitality, including discounted gym membership.
• A private GP service (separate from Vitality) for you, your partner, and your dependents.
• 25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
• A one-month, fully paid sabbatical after four years.
• Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.
• 3% Pension contributions on total earnings.
• An employee equity incentive scheme.
• Generous parental leave and a nursery tax benefit scheme to help you save money.
• Electric car scheme and cycle to work scheme.
• Two company retreats a year: we've been to France, Italy, Spain, and further afield.

And to make sure we all keep learning, we offer:

• A learning and development budget for everyone.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse

Useful links:

• iwoca benefits & policies

• Interview welcome pack.