SMB Lending Manager

SMB Lending Manager Apply At myPOS, we’re all about helping businesses grow and get paid. We make payments simple, smart, and accessible for everyone, but we’re more than just payment solutions - myPOS is a partner in growth. From free multicurrency accounts to powerful e-commerce tools, we’re here to support business owners of all sizes and everyone out there who dreams of starting their own business. As we are expanding our team, we’re looking for SMB Lending Manager to help us make a real difference in the Fintech industry. Ready to join us and shape the future of payments? Let’s make it happen! About the role: This is a hands-on role for someone who knows SME lending inside out and wants to help build something from the ground up. Working closely with the VP Product, you'll be the lending domain expert in the room, the person who understands how credit products work, what SME customers need, and how to translate that into great product decisions. You'll be embedded in the product team, bringing lending expertise to shape new lending propositions, defining how credit fits into the customer journey, and ensuring that what we build is commercially sound, risk-aware, and genuinely useful for small businesses. This is a high-impact role with the opportunity to shape how our SME lending products evolve as the business scales across Europe. You’ll be working alongside a dedicated Product Manager and development team to bring new solutions to life and enhance existing products. What you’ll do: Product Discovery & Scoping • Work alongside the VP Product and Product Manager to help scope new lending products and features, bringing lending expertise to inform product design and roadmap prioritisation. • Own the lending domain expertise within the product team and business: bring market knowledge, competitor insight, and customer understanding to every product decision. • Conduct discovery with SME customers, internal stakeholders, and external partners to identify unmet needs and shape the product roadmap. • Provide clear input into how lending mechanics such as eligibility, limits, and pricing should be represented in the product experience. • Work alongside the Product Manager to create product business cases and opportunity assessments that secure leadership buy-in. Credit & Risk Thinking • Define how credit decisioning, affordability, and risk appetite should be embedded into the product, working closely with credit risk and data teams to bring this to life. • Support the deployment of new risk scorecards and underwriting logic, ensuring the product experience reflects sound credit principles. • Contribute to pricing frameworks, credit limit structures, and eligibility criteria that balance growth with responsible lending. • Analyse in-life portfolio performance and provide insights to inform product iteration, pricing adjustments, and credit strategy. Cross-functional Execution • Act as the connective tissue between credit risk, data, engineering, and commercial teams, ensuring everyone is aligned and moving in the same direction. • Lead lending related workstreams within broader product initiatives, taking ideas from discovery through delivery with minimal handholding. • Support the development of business cases for new initiatives, clearly articulating the commercial opportunity, risks, and success metrics. • Contribute to go-to-market planning, working with product, marketing and commercial teams to land new products effectively. • Work closely with the Product Manager to support successful product delivery and ensure lending expertise is reflected throughout the development process. Market & Regulatory Awareness • Stay close to the SME lending landscape , tracking competitor moves, emerging fintech models, and shifts in the macro-economic environment. • Ensure products are designed with regulatory compliance in mind, working with legal and compliance teams on FCA, CBI requirements and Consumer Duty obligations. • Bring fresh thinking and external perspective to the team, regularly sharing market intelligence and product inspiration. • Bring external market insights and competitive intelligence into product discussions to help shape lending strategy This role is perfect for you if you have: Experience & Expertise • 3–5 years of experience in SME lending, credit risk, or lending strategy roles, ideally working closely with product teams • Strong working knowledge of SME credit products, business loans, merchant cash advance, credit cards, invoice finance, or similar. • You have contributed to the design or development of lending products: you understand underwriting logic, affordability, scorecards, and what makes a lending product work commercially. • Analytical and data-literate; comfortable with SQL or working closely with data teams to interrogate performance and inform decisions. • Experience in fintech, a challenger bank, or a fast-growth lending business is a strong plus. Skills & Qualities • Domain expert first, product thinker second, you bring genuine lending knowledge and use it to make better product decisions. • Hands-on and delivery-focused: you get things done, take ownership, and don't wait to be told what to do next. • Clear communicator, you can explain complex credit concepts simply, and write requirements that engineers can actually build from. • Collaborative and low-ego: you work well within a product team environment and alongside a Product Manager responsible for roadmap and delivery. • Curious, commercially sharp, and comfortable balancing customer value with sustainable lending economics • Comfortable with ambiguity: this is an early-stage lending business and not everything has been figured out yet. Desirable • Experience with payment providers or merchant services businesses. Familiarity with European SME lending markets and regulatory environments. Why you should join myPOS: Vibrant international team operating in hi-tech environment Annual salary reviews, promotions and performance bonuses myPOS Academy for upskilling and training Unlimited access to courses on LinkedIn Learning Annual individual training and development budget Refer a friend bonus as we know that working with friends is fun Teambuilding, social activities and networks on a multi-national level What we offer: Excellent compensation package 25 days annual paid leave (+1 day per year up to 30) Full “Luxury” package health insurance including dental care and optical glasses Meal vouchers of 102.26 EUR per month Fully covered Multisport card Fully covered public transport pass for Sofia Free coffee, snacks and drinks at the office Who we are: Since 2014 we’ve been all about making payments easier and more accessible for businesses of all shapes and sizes. Whether you’re at the counter, selling online, or on the move, we’ve got businesses covered with smart, accessible and affordable solutions that keep things easy. Our mission? It’s simple. Help businesses get paid by taking advantage of modern tech and innovative ideas, so payment challenges are a thing of the past. Pro tip: Take it easy about meeting every requirement - this job description is just that, a job description! Even if you don’t tick every box, we want you to apply anyway! This is your chance to grow, learn, and build your career with us. We value potential over perfection, and we are all about mutual growth! Apply by filling in the form below and send your CV in English! myPOS is committed to providing equal employment opportunities. All qualified candidates will be considered for employment without discrimination based on age, ancestry, color, marital status, national origin, physical or mental disability, medical condition, veteran status, race, religion, sex, sexual orientation, gender identity or expression, or any other characteristic protected by applicable laws, regulations, and ordinances. Your application will be confidentially reviewed in line with the General Data Protection Regulation (GDPR). Personal information will be used solely for the job application and will be stored for a period needed by the application process. Only short-listed candidates will be contacted. Good luck! Department Product - Product Management Locations Sofia - Office Remote status Hybrid CAREERS Go to myPOS.com Login Employee Login Candidate Login to connect Toggle navigation Home Jobs Success Stories Life @ myPOS Go to myPOS.com Employee Login Candidate Login