Product Owner

Job Title: Product Owner

Location: Cardiff

Hybrid / Flexible Working

Salary: up to £65,000 depending on experience + up to 20% annual bonus + benefits

Stability, flexibility and the opportunity to work on greenfield projects within one of Europe’s leading financial experts, sound interesting to you?

LDMS - About Us

Founded in 2018, LDMS is part of the LC Financial Holdings group, a 3 pillar organisation that has over 950 employees across Europe. Together, we have an impressive track record of providing world class credit expertise that spans over 20 years.

We are a Fintech company focused on digital lending software, a market growing around 18% per year and set to be worth $27 billion by 2028. Given our expertise within the company and across the group we aim to be the leader in the space, and in order to do that we need a team of people who can not just write quality code but can think, create and challenge others to come up with the best solutions for our customers. We are an ambitious team with a pretty big ‘to do list’ including improving existing products, building new ones and delivering to new markets.

The Role

We are seeking an experienced Product Owner to take ownership of a new generation product that is expanding into new financial products, markets & countries configurations. You will work closely with product engineering and professional services teams as well as building close relationships with our group stakeholders & SME’s to deliver first class financial management software.

This role is well-suited to someone who enjoys working on complex products, balancing competing priorities, and shaping solutions that scale internationally. An interest or experience in applying AI-driven capabilities to enhance product processing, decisioning, or user workflows is highly desirable.

Key Responsibilities:

From time to time, the key responsibilities may change or be adapted to the needs of the business; however, the below gives an overview of the key focus areas.

Product Ownership & Strategy

· Own and evolve a product (or product area) used by multiple clients, countries, and tenants, ensuring a clear vision and roadmap aligned to business and client needs.

· Balance global product consistency with local market and regulatory requirements.

· Act as the primary point of accountability for product outcomes and value delivery.

Backlog Management & Prioritisation

· Own, maintain, and prioritise the product backlog, ensuring it is transparent, well-refined, and aligned with strategic objectives.

· Make adaptive & informed decisions to support changing business needs & priorities.

· Work closely with engineering teams to plan and deliver work through regular sprint cycles.

· Utilise effective tooling, time management and organisational skills to implement an Agile based delivery approach.

Requirements & Delivery

· Gather, analyse, and document business, functional, and non-functional requirements from internal and external stakeholders.

· Translate requirements into clear user stories with well-defined acceptance criteria.

· Define and continuously improve end-to-end customer and user journeys across the platform.

· Support development teams throughout delivery, including sprint planning, refinement, reviews, and release activities.

Stakeholder & Client Collaboration

· Collaborate with internal teams (Engineering, QA, Professional Services, Project management, Service Delivery) to deliver high-quality solutions.

· Engage with group clients to understand their needs, challenges, and feedback, and incorporate these into the product roadmap.

· Clearly communicate priorities, progress, and decisions to stakeholders at all levels.

AI & Product Innovation

· Identify opportunities to leverage AI and automation to enhance product processing, decision-making, efficiency, or user experience.

· Stay informed on emerging trends in AI and financial services technology.

Essential:

• Proven experience as a Product Owner (or similar role) in a software development or financial services environment.
• Strong experience owning and managing product backlogs in an Agile / Scrum environment.
• Demonstrated ability to write clear, actionable user stories and acceptance criteria.
• Experience working with complex products that support multiple clients, configurations, or markets.
• Strong understanding of end-to-end customer journeys and user-centred design principles.
• Excellent stakeholder management and communication skills.
• Ability to prioritise effectively in a fast-paced, evolving environment.
• Strong analytical and problem-solving skills, with attention to detail.
• Experience using agile tools (JIRA, Confluence, Slack or similar).

Desirable:

• Experience within financial services, fintech, finance origination/onboarding, or regulated software environments.
• Exposure to multi-country or multi-regulatory product delivery.
• Experience working with SaaS, multi-tenant platforms, or configurable products.
• Interest or hands-on experience in applying AI or machine learning within software products.
• Familiarity with data-driven product development and performance metrics.

What’s important to us?

It’s safe to say our passion is tech, but we recognise that the people we hire and bring together are at the heart of the organisation. Over the years, we have acquired and recruited a pretty eclectic bunch with hobbies ranging from gaming to ultra marathon running, snowboarding to chess and hiking and climbing; However, what we do have in common are our values:

• Teamwork
• Merit
• Develop
• Honest
• Impactful
• Integrity

They may look like corporate jargon, but they mean something to us. If you can relate to the above, get in touch, as there’s a good chance that you’d be a great addition to the team.

Discretionary Bonus (Up-to 20%)

• 25 days annual leave (plus bank holidays)

• 1 day Birthday leave
• 1 day Charity leave
• Private Health Insurance
• EAP
• Pension (3% / 5% contribution)
• Salary sacrifice - (Bike & Electric Vehicle Scheme)
• Monthly socials
• Charity Events