Job Description

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

We are looking for an Open Banking Product Manager who will own and develop the bank’s Open Banking capabilities (AIS & PIS), ensuring regulatory compliance, strong governance and reliable operational performance. You will be responsible for Driving the evolution of Open Banking from compliance-led delivery to customer and commercial value, improving implementation quality, technical understanding and customer outcomes.

This is a hands one role where you are responsible for platform capabilities (APIs, consent, authentication and integrations), operational performance (availability, incidents, reliability), regulatory reporting and controls, and vendor/partner management. Overseeing customer-facing Open Banking use cases (e.g. payments, deposits) and identify opportunities to enhance the proposition.

This is also a collaborative role where you will work closely work closely with Engineering, Operations, Risk and Compliance to deliver scalable, customer-ready solutions. As part of a small, high ownership team, flexibility and support across other product areas is expected.

Key Responsibilities:

Product Ownership & Delivery:

• Own end-to-end delivery and prioritisation
• Define problems, outcomes and success metrics
• Make informed trade-offs and drive through to optimisation

Performance & Operations:

• Monitor performance (availability, errors, usage)
• Lead incident management with Engineering and vendors
• Continuously improve reliability

Engineering Partnership:

• Collaborate on APIs, consent, authentication and integrations
• Contribute to solution design and scalability

Customer & Proposition:

• Use data and insight to identify customer needs
• Enhance the proposition beyond compliance

Strategy & Roadmap:

• Own roadmap and align with wider product strategy
• Track regulation, market trends and innovation opportunities

Platform & Partner Management:

• Manage vendors and platform performance
• Ensure scalable, effective solutions

Regulatory & Governance:

• Ensure compliance with Open Banking regulation
• Maintain strong controls, testing and audit readiness

Stakeholder Collaboration:

• Align Engineering, Risk, Compliance, Operations and Product teams
• Communicate clearly and drive delivery

Skills & Experience

• Significant experience within Open Banking expertise (AIS & PIS)
• API and integration knowledge
• UK financial services experience
• Proven delivery of Open Banking solutions
• Vendor management experience
• Strong product management and technical fluency
• 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.