Job Profile Job Title: Senior Product Owner Location: Cardiff Salary: £60,000 - £80,000 depending on experience 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. What you’ll do We are seeking a Senior Product Owner to take ownership of complex, business-critical products at scale. Driving the right outcomes across multiple clients, markets and country configurations. Operating with a high degree of autonomy, you will set direction for your product area, make the hard prioritisation and trade-off calls, and manage stakeholders from delivery teams, architecture, through to senior group leadership. You will work hand-in-hand with Engineering, Technology and Professional Services to deliver first-class financial management software. This is a senior, self-starting role for someone who has already proven they can own a product end-to-end and is ready to deliver complex work at scale, influence beyond a single product, and raise the bar for those around them. You should be comfortable defending strategy with evidence, leading through ambiguity, and treating AI and data not as buzzwords but as practical tools you actively apply to product discovery, decisioning and user workflows. If you are motivated by the depth and impact you can bring to an established organisation, and you bring a mature, professional approach to stakeholder engagement, this role is built for you. 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 one or more complex products (or a large product area) used across multiple clients, countries and tenants. Setting a clear vision and roadmap and defending it with reasoning when it is challenged.

• Deliver complex projects at scale, driving the correct outcomes rather than activity, and aligning delivery to LDMS’s strategic objectives.

• Balance global product consistency against local market, client and regulatory requirements, anticipating cross-product and cross-market implications before they surface.

• Act as the ultimate point of accountability for your product’s outcomes and the value it delivers, owning whether the bet landed, not just whether it shipped.

• Contribute to shaping product strategy beyond your own area, supporting the Head of Product on the broader direction of the product estate.

Backlog Management & Prioritisation

• Orchestrate discovery, backlog health and prioritisation across a complex product or large programme of work, framing ambiguous problem spaces into structured, deliverable outcomes.

• Collaborate with group stakeholders to make and own high-stakes prioritisation and trade-off decisions with significant business impact, and stand behind them under scrutiny.

• Set the discovery and refinement standard using a product led approach that other Product Owners follow, raising the bar across the teams you touch.

• Drive delivery across multiple contributors and teams toward the intended value, managing project-level risk proactively and removing blockers for the team.

• Apply effective tooling, cadence and organisational discipline to deliver at scale within an Agile / Scrum operating model.

Requirements & Delivery

• Turn large, ambiguous business problems into clear, valuable, well-shaped work. Working with external stakeholders to make understandable product decisions that engineering teams can construct with clarity.

• Gather, analyse and challenge business, functional and non-functional requirements from internal and group stakeholders, negotiating the why / what / how where needed.

• Own and continuously improve end-to-end customer and user journeys across the platform.

• Support and steer delivery teams throughout the lifecycle, while adapting & shaping ways of working, simultaneously holding the line on Definition of Ready and Definition of Done.

• Use metrics and product-health data to validate whether delivered value actually landed, and feed that evidence back into the roadmap.

Stakeholder & Client Collaboration

• Manage stakeholders across a wide range of seniority, from delivery teams to senior group leadership, building alignment across competing interests and bringing people with you.

• Collaborate closely with Engineering, Technology, QA, Professional Services, Project Management and Service Delivery to deliver high-quality solutions.

• Act as a trusted, credible voice of product to group clients, translating their needs and challenges into roadmap direction.

• Coach and mentor Product Owners, model mature product leadership, and actively grow the capability of those around you.

• Communicate priorities, progress, risks and difficult decisions clearly and confidently. Demonstrating the ability to have the hard conversations rather than avoiding them.

AI & Product Innovation

• Set the direction for how AI, automation and data-driven approaches are applied within your product scope to improve processing, decisioning, efficiency and user experience.

• Move AI from experimentation to embedded product capability, judging where it genuinely adds value and where it does not.

• Stay ahead of emerging trends in AI and financial-services technology, and prepare your product and team for where the market is heading.

What you’ll bring Essential:

• Proven, extensive experience as a Product Owner (or equivalent) in financial services, fintech or complex regulated software, with a track record of owning products end-to- end.

• Strong financial-services domain knowledge: lending, credit, origination/onboarding or the servicing and administration of loan agreements.

• Demonstrated ability to deliver complex projects at scale, driving the correct outcomes across multiple teams and contributors.

• Excellent decision-making and prioritisation under ambiguity, able to make and defend high-stakes trade-offs with business impact.

• Strong stakeholder leadership: influencing and aligning senior, cross-functional and client stakeholders without relying on authority.

• Deep experience owning and shaping backlogs, discovery and requirements in an Agile / Scrum environment (JIRA, Confluence, Azure DevOps or similar).

• Experience with complex SaaS, multi-tenant or highly configurable products serving multiple clients, markets or configurations.

• A mature, self-starting operating style, comfortable with autonomy, accountability and having the hard conversations.

• Evidence of raising the bar for others, mentoring or coaching Product Owners and improving how the product team works.

Desirable: • Exposure to multi-country or multi-regulatory product delivery. • Hands-on experience applying AI or machine learning within software products beyond

experimentation. • Familiarity with data-driven product development, product-health metrics and outcome

measurement. • Experience contributing to product strategy across more than one product or a wider

portfolio. • Technical fluency an added bonus but not required.

What we offer 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. Benefits

● Discretionary Bonus ● 25 days annual leave (plus bank holidays) ● Opportunity to purchase additional annual leave ● 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

Job Title: Engineering Team Lead Location: Cardiff Hybrid / Flexible Working Salary: Up to £75,000 depending on experience plus a potential bonus up to £15,000

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 You’ll join the Engineering team at LDMS, reporting to Engineering Management and leading around 6–8 engineers organised into two teams that build financial software for our partners and clients.

This is a leadership role for someone with a strong engineering background who is passionate about growing engineers. Your two main focuses are your teams’ delivery output and the development of the people in them. You’ll spend most of your time coaching, unblocking and setting direction, staying close enough to the technical work to guide design decisions and support the team through reviews. That technical grounding is what makes you effective.

Key Responsibilities: These may change with the needs of the business, but the main areas are:

Technical Leadership • Set clear technical direction for your teams, keeping decisions aligned to team and product goals.

• Guide design and technical decisions and support a review culture that raises quality and teaches, rather than just approves.

• Spot technical debt early and work closely with your lead/senior engineers to ensure engineering standards are adopted across both teams.

Delivery and Execution • Plan and track delivery across both teams, raising risks and scope changes early.

• Break complex work into deliverable increments with clear dependencies and acceptance criteria.

• Run delivery sessions and workshops, such as whiteboarding an area, to shape and unblock work.

• Keep an eye on dependencies between your teams and with other teams and flag them early.

• Make sensible trade-offs on scope, quality and pace under pressure, and keep delivery moving.

• Balance the team’s time between product features and technical debt.

• Keep the team’s ways of working lean and adaptable, using process and meetings where they genuinely help rather than running them by default.

People and Development • Mentor and coach your engineers through guidance, review and honest career conversations.

• Run regular, structured one-to-ones focused on growth, wellbeing and clearing blockers.

• Give direct, evidence-based feedback and support each person’s development and progression.

• Interview and hire strong engineers into your teams.

• Build a strong team culture with high standards and psychological safety.

AI and Innovation • Encourage the team to use AI where it clearly helps them work faster or produce better software, and to be honest about where it doesn’t.

• Make sensible use of AI and automation part of how the team works day to day, rather than something tried once and dropped.

• Use simple measures of how the team is doing to spot progress and catch work that’s slipping or running over.

Stakeholder and Communication • Communicate your teams’ technical decisions and trade-offs clearly to product and non-technical colleagues.

• Manage stakeholder expectations proactively, so status updates contain no surprises.

• Escalate issues to Engineering Management at the right time and in the right way, with options rather than problems.

• Communicate release content to customers and support their delivery questions, giving confidence in what’s coming and when.

Requirements

Essential • A strong understanding of how good software gets built (preferably hands-on in Java/Spring Boot), with the technical judgement to guide design decisions, PR reviews and assess quality across your teams.

• A proven track record of planning, tracking and delivering software projects, including managing dependencies and trade-offs.

• Experience managing stakeholders and communicating delivery status, risks and trade-offs clearly to non-technical and customer-facing audiences, in writing and in person.

• Line management experience, or a strong track record of coaching and mentoring with the readiness to take on formal line management.

• A genuine interest in progressing engineers’ careers.

• Comfortable using data and metrics to report progress and identify problems early.

Desirable • An interest in using AI to help teams build software.

• Experience within the financial sector.

• Experience in front end development (preferably in React/Typescript).

• Experience working with modern Continuous Integration tooling, such as Jenkins.

• Experience debugging and troubleshooting issues using monitoring and observability tooling, such as Grafana, Prometheus or equivalent.

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.

Benefits

• Discretionary bonus*

• 25 days annual leave (plus bank holidays)

• Opportunity to purchase additional annual leave

• 1 day birthday leave

• 1 day charity leave

• Private health insurance

• Employee Assistance Programme (EAP)

• Season ticket loan for transport

• Eye care

• Pension (3% / 5% contribution)

• Salary sacrifice schemes (cycle to work and electric vehicle)

• Monthly socials

• Charity events

*The discretionary bonus will be pro-rata'd during your first year with the Company.

Job Title: Engineering Team Lead Location: Cardiff Hybrid / Flexible Working Salary: Up to £75,000 depending on experience plus a potential bonus up to £15,000

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 You’ll join the Engineering team at LDMS, reporting to Engineering Management and leading around 6–8 engineers organised into two teams that build financial software for our partners and clients.

This is a leadership role for someone with a strong engineering background who is passionate about growing engineers. Your two main focuses are your teams’ delivery output and the development of the people in them. You’ll spend most of your time coaching, unblocking and setting direction, staying close enough to the technical work to guide design decisions and support the team through reviews. That technical grounding is what makes you effective.

Key Responsibilities: These may change with the needs of the business, but the main areas are:

Technical Leadership • Set clear technical direction for your teams, keeping decisions aligned to team and product goals.

• Guide design and technical decisions and support a review culture that raises quality and teaches, rather than just approves.

• Spot technical debt early and work closely with your lead/senior engineers to ensure engineering standards are adopted across both teams.

Delivery and Execution • Plan and track delivery across both teams, raising risks and scope changes early.

• Break complex work into deliverable increments with clear dependencies and acceptance criteria.

• Run delivery sessions and workshops, such as whiteboarding an area, to shape and unblock work.

• Keep an eye on dependencies between your teams and with other teams and flag them early.

• Make sensible trade-offs on scope, quality and pace under pressure, and keep delivery moving.

• Balance the team’s time between product features and technical debt.

• Keep the team’s ways of working lean and adaptable, using process and meetings where they genuinely help rather than running them by default.

People and Development • Mentor and coach your engineers through guidance, review and honest career conversations.

• Run regular, structured one-to-ones focused on growth, wellbeing and clearing blockers.

• Give direct, evidence-based feedback and support each person’s development and progression.

• Interview and hire strong engineers into your teams.

• Build a strong team culture with high standards and psychological safety.

AI and Innovation • Encourage the team to use AI where it clearly helps them work faster or produce better software, and to be honest about where it doesn’t.

• Make sensible use of AI and automation part of how the team works day to day, rather than something tried once and dropped.

• Use simple measures of how the team is doing to spot progress and catch work that’s slipping or running over.

Stakeholder and Communication • Communicate your teams’ technical decisions and trade-offs clearly to product and non-technical colleagues.

• Manage stakeholder expectations proactively, so status updates contain no surprises.

• Escalate issues to Engineering Management at the right time and in the right way, with options rather than problems.

• Communicate release content to customers and support their delivery questions, giving confidence in what’s coming and when.

Requirements

Essential • A strong understanding of how good software gets built (preferably hands-on in Java/Spring Boot), with the technical judgement to guide design decisions, PR reviews and assess quality across your teams.

• A proven track record of planning, tracking and delivering software projects, including managing dependencies and trade-offs.

• Experience managing stakeholders and communicating delivery status, risks and trade-offs clearly to non-technical and customer-facing audiences, in writing and in person.

• Line management experience, or a strong track record of coaching and mentoring with the readiness to take on formal line management.

• A genuine interest in progressing engineers’ careers.

• Comfortable using data and metrics to report progress and identify problems early.

Desirable • An interest in using AI to help teams build software.

• Experience within the financial sector.

• Experience in front end development (preferably in React/Typescript).

• Experience working with modern Continuous Integration tooling, such as Jenkins.

• Experience debugging and troubleshooting issues using monitoring and observability tooling, such as Grafana, Prometheus or equivalent.

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.

Benefits

• Discretionary bonus*

• 25 days annual leave (plus bank holidays)

• Opportunity to purchase additional annual leave

• 1 day birthday leave

• 1 day charity leave

• Private health insurance

• Employee Assistance Programme (EAP)

• Season ticket loan for transport

• Eye care

• Pension (3% / 5% contribution)

• Salary sacrifice schemes (cycle to work and electric vehicle)

• Monthly socials

• Charity events

*The discretionary bonus will be pro-rata'd during your first year with the Company.