Core Banking and Accounts Product Manager

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023.

The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment.

Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management.

We are looking for a Core Banking Platform and Product Manager who will own and evolve the bank’s core banking platform and account model, ensuring it is scalable, well understood and supports current and future product needs.

You will define and drive product direction for accounts, aligning customer needs, product design and system capability. Be responsible for account structures, configuration (interest, limits, rules, lifecycle), platform capabilities and constraints, and vendor management. Build internal expertise and documentation to reduce reliance on external partners and enable other Product Managers to deliver effectively through the platform.

This is a collaborative role where you will work closely with Engineering, Operations, Risk and Compliance to deliver customer-ready, compliant and commercially effective outcomes.

Key Responsibilities:

Product Ownership & Delivery:

• Own end-to-end delivery, from problem definition to optimisation
• Set priorities, define success metrics and make informed trade-offs

Platform Ownership:

• Evolve account structures and ensure scalable, consistent models
• Align product design with system capability and reduce complexity

Engineering Partnership:

• Collaborate on solution design and system behaviour
• Challenge assumptions and ensure scalable outcomes

Internal Capability:

• Build internal knowledge and improve documentation
• Reduce reliance on external vendors and enable teams

Vendor Management:

• Own vendor relationship, performance and roadmap influence

Regulatory & Control:

• Ensure compliance with UK financial services regulations and audit readiness

Performance & Outcomes:

• Monitor performance, reduce issues and improve delivery outcomes

Stakeholder Collaboration:

• Work cross-functionally and align teams on priorities and delivery

Skills & Experience

• Significant Core banking platform and account structure expertise.
• UK financial services knowledge.
• Strong product management and technical understanding.
• Vendor management experience.
• Clear communication and ownership mindset.

Some of our benefits (only applicable to UK based roles not Internship programmes)

• Competitive salary &lots of opportunities to learn, grow and progress professionally.
• Open and inclusive culture.
• Hybrid working.
• Fantastic offices and great working environment.
• Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)
• Health cash Plan (Medicash health plan Level 3)
• 6% employer pension contribution.
• Life assurance – 4 x salary.
• Income protection insurance – 75%
• 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year.
• Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.
• Enhanced family friendly and family forming policies.
• Access to a wide range of retail discounts .
• Team Socials.