Product Owner

Hybrid based in London or Warsaw.

Role Overview 🚀

As a Product Owner at Uncapped, you will join a team of risk professionals, data scientists and engineers and you will play a crucial role in driving the company's growth and success. You will sit at the vital intersection of credit risk, financial engineering, and product innovation to deliver data–driven credit capabilities, such as decisioning engines, state-of-the-art risk models and real-time credit management tools across the entire customer lifecycle.

About Uncapped 👫

Founded in 2019, Uncapped is a fintech company focused on providing working capital to SMEs in North America and Europe.

We leverage multiple data sources to make credit decisions faster, safer and more conveniently. We are working with the largest platforms in the world, including Amazon and Walmart, and strive to be the best alternative-lender globally.

What will you do ✍️

• Product Risk Leadership: Act as the connector between Data Scientists, Credit Risk Managers and Engineers to turn complex data into production-ready features.
• Risk Strategy & Roadmap: Architect and co-own the risk product vision, prioritize high-impact features and manage the roadmap.
• Data Integration: Identify and integrate new data sources (e.g., banking APIs, marketing spend data, e-commerce platform insights) to improve credit decisioning accuracy.
• Risk Engine Ownership: Lead the strategy and roadmap for Uncapped’s risk engine that includes a decision engine for automated decisions and underwriting tooling for manual decisions, ensuring we can process applications in seconds and hours rather than weeks.
• Monitoring & Recovery: Build products and dashboards that monitor the health of the portfolio in real-time and automate early-warning signals for potential defaults.
• Customer Friction Reduction: Balance the need for deep due diligence with a world-class user experience, ensuring that "Risk" doesn't become a bottleneck for "Growth."

Requirements

Who you are 👀

• We are looking for someone with 5+ years in Product Management with Risk experience, specifically within Fintech, Lending, or Credit Risk ideally in B2B platforms.
• Commercial Acumen: A deep understanding of how lending businesses make money and how risk impacts the bottom line.
• Technical Literacy: Comfort with SQL and data models. You don't need to write the code, but you must understand how risk models and APIs work.
• Product Management: You should have a strong understanding of agile methodologies and a proven track record of self-service/automation cross-border projects.
• Experience in a fast-paced, "0-to-1" startup environment where you are expected to be hands-on and strategic simultaneously.

Benefits

What we offer 🎁

At Uncapped, our people make us successful. We are a start-up with big goals, and we work hard, so we want to give everyone the benefits they really want. We are continually adding to this list as new people join -- here are some of the things you can expect:

• Unlimited holiday: we believe that well-rested and happy people make the best employees
• Competitive compensation plan
• Personal growth fund: Raise your game from great to spectacular
• Monthly recognition and awards: Celebrate wins big and small
• The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
• Workspaces in Warsaw, London and Atlanta

We can only consider applications from candidates who are eligible to work in the UK/Poland without requiring visa sponsorship.