Lead Product Manager (AI Decisioning & Pricing)

Requirements

• You’re currently a Lead or Head of Product, passionate about backend systems and how things work under the hood. You’re energised by complexity, balancing competing variables and finding the insight that changes how you see the problem
• You’re deeply curious about AI and already using these tools, even if your current employer hasn’t caught up. You know your products inside out, make fast well‑reasoned decisions, and engineers are never left waiting on you
• You’ll also bring:
• Strong SQL skills and a habit of digging into the numbers yourself
• A track record of moving metrics that matter
• Experience bringing engineering, risk, legal and commercial teams with you
• Real in‑market experimentation experience and the ability to tell a result from noise
• Comfort in fast‑moving, high‑ownership environments where the answer isn’t always obvious

What the job involves

• This is a high‑impact Lead PM role reporting directly to Raylo’s Co‑Founder and Chief Product Officer. You’ll own the decisioning and pricing domain, one of our biggest growth levers, setting direction for frontend and backend engineers while partnering closely with Risk Strategy, who own credit modelling and analytics. Your work will directly impact approval rates, conversion, loss rates and ARR
• You’ll be part of a close‑knit product, engineering and design team. Designers obsess over taste, systems and service design. Product managers stay focused on value and what customers actually need, using quick, throwaway AI‑assisted prototypes to test ideas before real code gets written
• Our engineers do what great engineers love most: they build. They use the best harness available, often Claude Code, and let AI take the first pass. When AI isn’t up to scratch, they go hands on the keyboard. AI accelerates their work, but craft, judgement and ownership stay with the engineer. All production code gets a final human review
• The team is organised into focused squads, partnering closely with the business. We care about outcomes more than process. AI is compressing execution, so rigid long‑term roadmaps matter less than they used to. But north stars still matter. We know where we’re going. How we get there is increasingly fluid
• AI decisioning and pricing is our core competitive advantage. The better our decisioning gets, the more good customers we can approve; the better our pricing gets, the more customers we can attract and convert
• We’re hiring a Lead Product Manager for AI Decisioning and Pricing. Reporting to the Co‑Founder and Chief Product Officer, you’ll set direction for a team of frontend and backend engineers, working closely with Risk Strategy, who own credit modelling and analytics
• You’ll move the metrics that matter: approval rates, funnel conversion, loss rates, and insurance attachment. You’ll do that by finding and shipping improvements across the full decisioning and pricing stack, whether that’s verification UX, new data sources, open banking, pricing strategy, or the tooling Risk Strategy team needs to model and experiment faster. You’ll also lead the launch of AI‑driven dynamic subscription pricing that responds to live market signals — a genuinely new capability for the category
• The scope is broad and this is the biggest lever we have for ARR growth. You’ll set the direction, then go deep on the details to make it real

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