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.

Role Purpose

Own and evolve LHV Bank’s UK Retail Banking Proposition as part of a small Product team with broad scope and significant autonomy.

Lead assigned product areas from problem definition through launch and optimisation. Translate customer needs, commercial priorities, operational realities, regulatory requirements and technical constraints into clear product decisions.

Partner with the Retail segment team, Engineering, Design, Data and AI, Customer Data, Compliance, Legal and Operations to deliver customer-ready journeys that are well designed, technically sound and commercially effective.

This is an opportunity to shape a growing UK retail proposition, influence decisions across the end-to-end customer journey and deliver visible improvements for customers.

Scope of Responsibility

Shape, deliver and continuously improve the UK Retail Banking Proposition.
Own assigned mobile app journeys, including onboarding, transactions, design quality and release readiness.
Lead product input into core banking platform changes in partnership with Engineering and platform vendors.
Turn customer feedback, app reviews and app-store ratings into prioritised improvements.
Support other Retail product areas when priorities require it.

Key Accountabilities

Product Thinking and Judgement

Synthesise customer need, commercial opportunity, operational reality, regulation and technical constraint into clear, pragmatic priorities, always with customer outcomes front and centre
Work with Risk, Compliance, Operations and other Product teams to align on priorities and decisions
Make timely sound decisions with incomplete information, identifying when further evidence or escalation is needed
Find answers independently, connecting existing documentation, new information and the right stakeholders

Product Ownership and Delivery

Own assigned product areas from problem definition through launch, support and optimisation
Define the customer problem, intended outcome, scope and success measures for each initiative
Write clear requirements and acceptance criteria that enable Engineering, Design and vendor partners to deliver with confidence
Communicate decisions, dependencies, risks and progress clearly to technical, non-technical and senior audiences
Maintain a prioritised backlog and drive delivery while protecting end-to-end journey quality.

Customer, Insight and Proposition Development

Build a clear understanding of customer needs, behaviours and pain points across retail journeys
Use customer feedback, app reviews, behavioural data and service insight to identify and prioritise improvements
Champion accessible, intuitive design and a consistent end-to-end customer experience
Apply UK financial services market insight, competitor activity and regulatory developments to product decisions

Technical Fluency and Engineering Partnership

Develop sufficient knowledge of our platforms, systems and integrations to assess options and work effectively with technical colleagues and partners
Partner with Engineering to shape, test and challenge solution designs against customer, operational and product needs