Principal Product Manager – Upstream (Mortgages)

Principal Product Manager – Upstream (Mortgages)

At ClearScore we’re on a mission to help people achieve greater financial wellbeing. Within our Upstream mission, we focus on shaping and scaling new propositions that unlock meaningful value for our users.

A pathway to homeownership is a key milestone in our users’ journey to financial wellbeing. We’re expanding our product team to support our global strategy in homeownership and mortgages. As a Principal Product Manager working in our newly formed Upstream Mortgages team, you will hold responsibility for the viability and roadmap direction of this emerging vertical within the ClearScore ecosystem.

Reporting into the VP, Global Product, you will be central to shaping our Mortgages vertical — building on strong early foundations while evolving and extending the proposition from first principles where needed. You will define roadmap content and sequencing, make clear trade-offs across user experience, commercial opportunity and build complexity, and ensure the proposition delivers sustainable value to our users and partners.

You’ll operate within a shared leadership model alongside a senior Design Lead, jointly guiding a cross-functional team spanning Product, Design, Engineering and Data. While you will not have direct line management responsibility, you will play a central role in setting priorities, structuring work and driving clarity of decision-making across the team.

This is a high-impact role at the centre of bringing a complex new vertical to market, shaping how ClearScore shows up in one of the most important moments in our users’ financial lives. It requires strong product judgement, commercial awareness and the confidence to make well-reasoned decisions in a multi-stakeholder environment.

What you will be doing:

• Build on existing strategic thinking, identifying clear paths to user, partner and business value and shaping the proposition’s continued evolution.
• Develop and maintain deep expertise in the homeownership and mortgages landscape, building strong external awareness across partners, regulation and industry trends to inform product direction.
• Own the global roadmap for the homeownership and mortgages proposition, defining priorities and sequencing to ensure long-term viability and coherence in line with overall strategy.
• Lead structured product discovery to validate desirability, viability and feasibility, using qualitative insight, quantitative data and commercial understanding to inform decisions.
• Make clear, balanced trade-offs between user experience, commercial constraints and technical complexity, ensuring focused and coherent progress.
• Partner closely with Design to deliver a compelling, simple and user-centred experience within a complex domain.
• Collaborate with Commercial and Data stakeholders to ensure the proposition is grounded in market dynamics, partner realities and measurable outcomes, while retaining clear accountability for product direction.
• Structure ambiguous problem spaces into clear work-streams, guiding and elevating work across the team — including elevating the quality of thinking and execution across more junior Product colleagues.
• Drive momentum and decision-making, ensuring stakeholders are meaningfully engaged throughout the innovation lifecycle.

Skills we'd love you to have

• You know what good Product Management looks like and are comfortable owning meaningful proposition-level problem spaces within an established strategic direction.
• You have demonstrated experience shaping new propositions from first principles, not only optimising existing products.
• You are confident shaping roadmap direction and making clear trade-offs across competing constraints.
• You are commercially aware and think in terms of value exchange, incentives and long-term proposition coherence — not just feature delivery.
• You are comfortable operating within a shared leadership model, partnering closely with senior Design while retaining clear accountability for product viability.
• You bring clarity to complex discussions and are able to move from alignment to decision — making well-reasoned calls even when consensus is incomplete.
• You are intellectually confident and willing to challenge existing thinking constructively where evidence or judgement suggests a better path.
• You combine structured discovery with strong product intuition, balancing rigour with momentum and knowing the fastest routes to validate key hypotheses.
• Experience in mortgages or adjacent regulated financial products is highly desirable, though strong product craft and ClearScore ecosystem understanding may compensate.

Why ClearScore?

ClearScore is the UK's #1 credit score and report app. We are also present in South Africa, Australia and Canada, with more than 20 million users globally and growing fast. Someone joins ClearScore every 20 seconds. We have established relationships with over 50 of the main lenders in the U.K., and have been a trusted tool for customers to manage their credit and make better financial decisions.

Since October 2016 we have helped 1.8 million users take out a new credit card or loan. We are user-centric at our core and we believe in leveraging technology to enable positive financial choices. We are design-led and data-driven and we embed these behaviours in everything we do.

Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact in our organisation. We trust you to manage your own time so we offer flexible work and no fixed desk hours. We don't micromanage and we believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth.

If you feel like this could be the place for you, apply and our Talent team will be happy to share more.

Benefits:

• 25 paid holidays and a “duvet day” on your birthday
• Hybrid Work Environment
• Private health and dental cover - including mental health support through Bupa 
• GP office visits
• Life assurance scheme
• Up to 6% matched pension
• Regular Lunch and Learns with guest speakers
• Dog-friendly office
• Daily breakfast and free snacks
• Access to discounts via Cobens Extras 
• Free sports and social clubs
• Continued investment into learning and development 
• Leadership-led training
• In-house psychotherapist
• Financial coach to help you plan and achieve your goals
• No clock-watching culture
• Generous maternity and paternity plans
• Culture and inclusion representatives
• Transparent pay structure and a career growth plan

Equal Opportunities

ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.

• Levels 1-5: Minimum 2 days per week in-office
• Level 6 and above: Minimum 3 days per week in-office

• Flexibility to manage your work and life
• Dedicated in-office days for team building and collaborative projects
•  Office facilities (with plants!) designed for productive interactions
• Clear expectations and support for maintaining our hybrid schedule