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Allica Bank is the UK's fastest-growing fintech, focused on serving established SMEs—a major underserved segment representing over a third of the UK economy. The Autonomous Lending tribe is building AI-first lending origination journeys to automate origination, underwriting, and operational workflows.
As Product Owner, you will lead the definition, delivery, and management of AI-enabled products across lending journeys, bridging product design with practical AI capabilities. You are accountable for your team's roadmap and the full product lifecycle: discovery, design, day-to-day delivery, launch, adoption, and live risk management.
Key responsibilities include:
- Owning innovation and end-to-end AI-enabled lending product solutions, origination flows, underwriting, and operational processes
- Leading a small cross-functional team (e.g., full-stack engineer, AI specialist) to deliver your roadmap
- Continuously reviewing business needs, refining priorities, and iterating toward measurable outcomes (fewer information requests, more AI-decided applications, reduced colleague time per application, equivalent or better risk outcomes)
- Prototyping and experimenting rapidly—building working prototypes close enough for engineers to harden into production
- Determining AI solution accuracy by analyzing data yourself and building verified ground-truth datasets, working with underwriters and credit operations to define correctness
- Owning launch and adoption: briefing stakeholders, training users, and closing feedback loops
- Producing written documentation: clear descriptions of what is being built and why, design decisions and trade-offs, and governance/approval assessments covering risk, security, cost, data, and legal considerations
- Line managing, coaching, and developing your team with high delivery and responsible AI standards
You bring commercial lending origination and underwriting knowledge, experience in fast-moving or high-growth businesses, and a proven track record delivering data-driven and agentic products to live use. You have strong process design, automation, and analytical skills. You are hands-on with Python, SQL, data analytics tools, LLM tooling, prompt engineering, and AI orchestration—not necessarily an engineer or analyst, but capable of building working solutions, querying data, and sense-checking AI outputs. You understand privacy, safety, and accuracy monitoring in regulated LLM environments, are metric and outcome-driven, and comfortable leading product and engineering teams in ambiguous, fast-moving contexts.
