Product Manager - Operations (DE)

Hybrid in London United Kingdom; Berlin or Frankfurt Germany

The company

Small businesses move fast. Opportunities often dont wait and cash flow pressures can appear overnight. To keep going and growing SMEs need finance thats as flexible and responsive as they are.

Thats why we built iwoca. Our smart technology data science and five-star customer service ensures business owners can act with the speed confidence and control they need exactly when its needed.

Weve already cleared the way for 100000 businesses with more than 4 billion in funding. Our passionate team is driven to help even more SMEs succeed through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments creating lasting impact for the communities and economies they drive.

The team

As our German business grows at pace weve established dedicated teams to support and accelerate local success. Youll 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. Were 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. Youll make sure we prioritise impact not novelty.

The role

In this role youll work closely with commercial teams to identify high-value opportunities and drive improvements that boost productivity and unlock growth. Youll 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 youll create clarity and prioritise work that delivers meaningful impact. From refining everyday workflows to designing automated and AI assisted processes youll 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

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: youre 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 arent 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 60000 - 80000 for this role. But were 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: weve 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.

Required Experience:

IC