Payments and Cards Senior Product Manager
Shape the future of cards and payments at Cynergy Bank.
Join us as a Senior Product Manager – Cards & Payments and make a real impact by helping ambitious businesses and individuals achieve their goals through our award-winning human digital banking model.
What’s the opportunity?
This is an opportunity to take ownership of a key area of our banking proposition, helping us develop and improve how customers make and receive payments.
You’ll combine hands-on payments expertise with product ownership, working across our payment schemes, cards proposition and Open Banking capabilities. From improving customer journeys to working with key suppliers and delivering strategic change, you’ll have the scope to identify opportunities and turn them into practical improvements.
You’ll also play a key role in delivering initiatives including debit card modernisation and straight-through payments, with genuine ownership for driving activity forward.
Where You Will Work
You will enjoy hybrid working, with 3 days in our London office and 2 days from home.
Why Join Us?
We know the best people want more than just a job. At Cynergy Bank, you will find:
Impact: Take ownership of an important area of our product proposition, improving how customers experience cards and payments.
Growth: A culture that champions curiosity, innovation, and personal growth at every stage.
Flexibility: A culture that values work-life balance, supported by our hybrid working model.
Rewards: Recognition for your skills and contribution, including annual bonus opportunities and a comprehensive benefits package.
How You Will Make an Impact
Own cards and payments product activity, helping shape priorities and drive improvements across the customer journey.
Deliver key change initiatives, including debit card modernisation and improvements to straight-through payments.
Use payment and operational data to understand volumes, performance and customer journeys, identifying opportunities to improve the experience for customers.
Partner with payment schemes, processors and other third-party suppliers, using service and performance insight to drive effective outcomes.
Work closely with Financial Crime, Operations, Technology, Risk and Compliance to improve payment processes while maintaining appropriate controls.
Identify issues and opportunities across the payments journey and translate them into clear, practical solutions.
Contribute to the continued development of our Open Banking, cards and wider payments capabilities.
What You Will Bring
Strong, hands-on payments experience within a banking environment, with a good understanding of the UK payments landscape.
Practical knowledge of major payment schemes and rails, ideally including Faster Payments, Bacs and CHAPS.
Knowledge of cards, which could include physical or digital cards, tokenisation and experience working with Visa or Mastercard.
An understanding of Open Banking and the wider direction of payments.
Experience working with payment processors, schemes, technology providers or other third-party suppliers.
An understanding of the regulatory, compliance and financial crime considerations associated with payments and cards.
A proactive, solutions-focused approach, with the ability to take ownership and confidently drive activity forward.
How We Will Support You
At Cynergy Bank, we are committed to your wellbeing and success. We know everyone’s needs are different, so our benefits are designed to support you at every stage of your career and life.
Here is a snapshot of what we offer:
A salary and bonus package designed to recognise your skills and contribution
28 days holiday, with the option to buy 10 more
Healthcare, life assurance and income protection
Hybrid working, with 3 days in the office and 2 from home
Training and development opportunities
Plus, a range of extras including lifestyle discounts, recognition awards and volunteering initiatives, all designed to keep you supported and thriving.
Who Are We?
Cynergy Bank is the UK’s human digital bank, combining personal service with smart technology to support ambitious individuals and businesses. Through Cynergy Business Finance, we provide tailored Invoice Finance solutions that empower SMEs to grow with confidence.
Our values shape everything we do: Putting the customer first, Risk front and centre, Opportunity, empowerment and innovation, United team inclusive and diverse, and Doing the right thing.
This advert covers the main responsibilities and requirements. A full job description will be shared with shortlisted candidates. If you don’t meet every requirement, we still encourage you to apply as we value potential as much as experience.
At Cynergy Bank, we use anonymous screening at the first stage of recruitment, ensuring every application is reviewed fairly, based on skills and experience alone.
Please note, we may close the advert early if we receive a high volume of applications.
Apply now to help shape the future of human digital banking at Cynergy Bank.
- Department
- Product & Customer Experience
- Role
- Senior Product Manager – Current Accounts
- Location
- Central London
- Remote status
- Hybrid
- Employment type
- Full-time
- Contract Type
- Permanent
About Cynergy Bank
Cynergy Bank was established in 2018 by entrepreneurs to serve the needs of business owners, property entrepreneurs and family businesses. We have a strong track record supporting businesses that want to scale up and provide over £3bn lending to scaling businesses across the UK, we also offer retail deposits to UK savers. Our vision is to provide a truly personalised service that is delivered through face-to-face relationships and enhanced by the latest technology.