As a Senior Technical Product Manager for Debt Tools, you will own Kraken’s product capabilities that help clients prevent debt from arising and recover debt more effectively when it does.
Your mission is to build scalable, configurable, and technically robust Debt tools that improve client debt performance and make it faster for clients to migrate from legacy or bespoke debt solutions onto Kraken.
This role is focused on Debt tooling. You will work deeply with Debt engineering teams to define the APIs, events, data models, configuration patterns, workflows, and integrations needed to support prevention and recovery at scale.
Your success will be measured by impact on key client debt metrics and Kraken’s ability to scale adoption of standard Debt tooling across clients.
What you'll do:
- Product Strategy & Technical Direction
Define and own the product strategy for Kraken’s debt prevention and recovery tools.
Translate client debt strategies, operational needs, and regulatory constraints into scalable product capabilities.
- Set technical product principles for how Debt tools should be configured, extended, integrated, and adopted across clients.
- Partner closely with Debt engineering teams to shape data models, APIs, events, workflows, and integration patterns. Debt Prevention & Recovery Tooling
Build tools that help clients reduce debt exposure before arrears escalate, including configurable prevention treatments, risk-based controls, early engagement triggers, and payment-method interventions.
Improve recovery tooling once debt becomes actionable, including collections orchestration, eligibility rules, treatment paths, communications, DCA handoff, recovery actions, and outcome capture.
- Enable clients to configure Debt strategies safely and consistently without relying on bespoke engineering work.
- Ensure Debt tools support different customer and debt contexts, such as vulnerable customers, failed payments, off-supply debt, or customers requiring escalation.
Identify blockers that prevent clients from migrating from legacy or bespoke debt tooling onto Kraken-native Debt tools.
Turn repeated client-specific needs into reusable product capabilities that accelerate future migrations.
- Reduce custom implementation through configurable tools, clear APIs, standard integration patterns, and reusable workflows.
- Build Debt tools that scale across clients, markets, and operating models while remaining technically coherent and maintainable.
What you'll have:
A proven track record as a technical Product Manager owning complex platform, workflow, or operational products.
5+ years of product management experience in a tech, SaaS, fintech, utilities, financial operations, collections, risk, or enterprise platform environment.
Strong technical fluency, including APIs, event-driven systems, data models, workflow engines, integrations, configuration platforms, and distributed systems.
Experience working closely with engineering teams to shape technically complex product capabilities from discovery through delivery.
Strong understanding of debt prevention, collections, credit risk, billing, customer operations, or financial recovery workflows.
Ability to translate operational debt strategies into scalable product capabilities.
Strong prioritisation skills, especially when balancing client migration needs, platform scalability, technical debt, and long-term product strategy.
Excellent communication skills, with the ability to align engineers, product peers, delivery teams, and senior stakeholders around clear product direction.
Comfort operating in ambiguity and turning repeated bespoke client needs into reusable Kraken-native tools.
- Experience in regulated utilities, collections, credit reporting, or international markets is a plus.
- Experience using AI to improve product management workflows — such as discovery synthesis, requirements analysis, product analytics, experimentation, prototyping, or stakeholder communication — is a plus.
Please note that, in line with our current recruitment policy, we are unable to offer visa sponsorship for this position; applicants must have the right to work in the country that they're applying to, at the time of application.
