Product Lead (Credit Cards) - Engine by Starling

At Engine by Starling, we are on a mission to find and work with leading banks all around the world who have the ambition to build rapid growth businesses, on our technology. Engine is Starling's software-as-a-service (SaaS) business, the technology that was built to power Starling Bank, and two years ago we split out as a separate business.

About The Role

We're looking for an exceptional Product Lead to join Engine as we accelerate our expansion in North America. This is a unique opportunity to define and build the next generation of our US Cards proposition, working at the intersection of product strategy, customer engagement and platform innovation.

• Define and evolve our US card proposition
• Own the vision, strategy and roadmap for a key area of Engine's US Cards platform, balancing market needs, client requirements and long-term platform scalability
• Translate market opportunities into clear product requirements, ensuring new capabilities are designed to be reusable across multiple financial institutions rather than bespoke for individual clients
• Work closely with customers, prospects and internal stakeholders to validate product direction and prioritise investment based on commercial value and customer impact
• Define a scale, configurable platform
• Design scalable configuration models that enable banks to launch differentiated products through configuration rather than custom development
• Drive a product-led approach to platform evolution, ensuring new functionality strengthens the core platform while supporting the needs of multiple clients
• Avoid assessing the impact of platform, processor and third-party changes, proactively identifying opportunities, risks and required product enhancements
• Partners with Clients to deliver successful outcomes
• Lead product discovery with client banks, understanding their existing card portfolios, operating models and future product ambitions
• Translate complex business requirements into clear product solutions, identifying where capabilities already exist, where configuration is sufficient and where platform enhancements are required
• Support complex implementation programmes, providing product leadership through design workshops, delivery, testing and production readiness
• Collaborate across global team
• Work closely with Engineering, Architecture, Design and Client Success teams in both the US and UK to deliver high-quality product outcomes
• Build the voice of the US market within Engine's global product organization, ensuring regional market requirements are reflected in the platform roadmap
• Build strong relationships across distributed teams, influencing product direction through collaboration rather than authority
• Drive Product Excellence
• Use customer feedback, market insight and product analytics to continuously improve the platform
• Champion modern product management practices, helping establish a product-led culture as Engine continues to grow in North America
• Represent the product with senior client stakeholders, supporting strategic discussions, solution workshops and executive presentations where required

Requirements

• Product Leadership
• Proven experience leading complex financial products from concept to launch, at least 7 years
• Comfortable balancing strategic leadership with hands-on product management
• Strong ability to influence senior stakeholders across a global organisation
• US Card expertise
• Deep knowledge of the North American credit card industry and customer lifecycle
• Understanding of card products, including credit, fees, rewards, disputes and servicing
• Familiarity with the payments ecosystem (e.g. Visa, Mastercard)
• Banking and Regulatory knowledge
• Solid understanding of US banking regulations (e.g. Regulation Z, CARD Act, FCRA)
• Awareness of Canadian regulations is a plus
• Knowledge of PCI DSS and related compliance standards
• Platform and Processing Experience
• Experience with card processing platforms (TSYS preferred)
• Understanding of configurable card systems and issuer capabilities
• Experience with migrations, conversions or major platform implementations
• Comfortable working with APIs, integrations and engineering teams
• Customer and Commercial Focus
• Experience working with banks or financial institutions to deliver product solutions
• Ability to balance client needs with scalable platform design
• Strong communication and stakeholder management skills

Nice to Have

• Experience in SaaS, cloud or banking technology environments
• Familiarity with agile product practices
• Experience working with distributed teams

Benefits

• Medical, Dental, and Vision insurance plan options
• 401(k) with company match of 100% of the first 4%
• Company-paid Long-Term Disability, and Life and AD&D insurance
• Optional ancillary benefits such as Short-term Disability, Accident Insurance, Legal & ID Protection, and more
• 20 days annual vacation PTO and 11 Paid Holidays

Interview Process

The interviewing process is conversational and designed to get to know you as much as we get to know you. You can expect the following:

• First Interview (45 mins) - Our Product Director
• Second Architecture Interview (60 mins) - Two of the Product team
• Final Interview (45 mins) - VP of Client services and President, North America

For more information about how your data is processed, please reach out to us.