Product Owner (Payments)

About InvestEngine

InvestEngine is everything the modern investor should need. Unbeatable value, market-leading automation, and built for easy, long-term investing. We’ve built a strong foundation, have over £1.5billion invested, award-winning service, and a passionate team, now we’re ready to scale.

About the Role

We’re looking for a Product Owner (Payments) who will lead, shape and execute a cost-efficient, compliant, and market-leading payments product strategy that enhances customer experience, reduces operational risk, and supports InvestEngine’s growth objectives.
You’ll own the roadmap across funding, withdrawals, and recurring payments, working closely with Operations, Compliance, Risk, Technology, Finance, and external partners to deliver scalable, secure and commercially sound payment solutions.

What You’ll Do

• Set the payments roadmap so it supports growth, lowers costs, meets regulation and is resilient in day-to-day operations.
• Deliver improvements end-to-end: take ideas from discovery through launch and ongoing refinement across funding, withdrawals and recurring payments.
• Lead key initiatives: establish and optimise Direct Debit operations; negotiate and integrate with Open Banking providers; strengthen withdrawal processes; explore card payments where they add value.
• Tighten controls and automation in reconciliation and settlement to cut errors, reduce manual work and speed up issue resolution.
• Partner with Technology to plan and deliver robust technical integrations with payment partners.
• Meet regulatory standards set by the Financial Conduct Authority, the Payment Systems Regulator and the Consumer Duty rules; monitor changes and lead any updates we need to make.
• Own the commercial levers: build simple models, assess partner economics, negotiate better terms and deliver measurable savings across Direct Debit, card and Open Banking.
• Use insight to guide decisions: combine customer feedback, market research and competitor reviews to make journeys faster, clearer and more reliable.
• Bring teams together so changes land smoothly with clients and partners, and everyone understands what’s changing and why.

What We’re Looking For

• Proven experience owning payment products in financial services or a closely related domain.
• Strong judgement on priorities and trade-offs across customer needs, commercial impact, technical feasibility and regulation.
• A track record delivering complex integrations or provider changes, from clear requirements to successful launch.
• Confidence in negotiating with suppliers and improving partner economics.
• Working knowledge of UK payments regulation and how to build effective controls into product design.
• Comfortable working with engineers on technical integrations and scalable architecture.
• Clear communication, thoughtful documentation and the ability to align Operations, Risk, Compliance, Finance, Technology and Customer teams.

How We Work

We’re a lean, fast-moving team that values clarity, ownership, and transparency.
You’ll have the freedom to experiment, the responsibility to follow through, and the backing of a team that values clear thinking and open dialogue. We believe in solving problems at the root, not just treating the symptoms.

What We Offer

Impact from day one
You’ll take on meaningful work from the start, tackling real challenges that drive the stability, efficiency, and growth of our business.

Room to grow
As we scale, you’ll have opportunities to expand your responsibilities, influence how we work, and help shape our long-term direction.

Transparent and open culture
We share decisions openly, keep communication channels clear, and encourage collaboration across every part of the business.

Supportive, high-calibre team
Work alongside talented professionals who are experts in their fields — smart, driven, and generous with their knowledge.

Remote first and flexible
Work in the way that best suits you. We focus on results, not rigid hours, and trust you to manage your time effectively.

Our Hiring Process

1. Introductory call with our Talent team
2. Gamified cognitive assessment to understand how you think and problem-solve
3. Interview loop: four independent interviewers from the team. May include a practical task. Each interviewer scores independently; the decision is based on combined evidence.