--- title: 'Product Manager, Financing Products at Finmid' canonical: 'https://feeny.ai/job/product-manager-financing-products-finmid-berlin-syxgmmg61apx' type: 'job' last_seen: '2026-09-11' --- # Product Manager, Financing Products at Finmid - **Company:** Finmid - **Location:** Berlin, Germany - **Employment:** full-time - **Work type:** remote - **Posted:** 2026-08-04 - **Last confirmed live:** 2026-09-11 - **Apply:** https://jobs.ashbyhq.com/finmid.com/88985f3a-74d5-44b6-adcf-bdccc0311cf1 ## Job description ## About finmid finmid is on a mission to build an embedded lending infrastructure that unlocks growth for global platforms and 32 million European businesses. We are the [fastest-growing European fintech in 2025](https://sifted.eu/leaderboards/sifted-250-2025) and are trusted by Europe's most ambitious platforms like Wolt, Delivery Hero, Just Eat Takeaway, Guesty and FREENOW. Join our global team of builders who are nerdy, relentless, and obsessed with solving hard problems that others will not. ## About the opportunity The team you’ll manage exists for one sentence: every merchant a platform trusts keeps borrowing from us, at a price we set, without anyone touching it. Our platform customers onboard the merchant and do the KYB. Everything after that is ours: whether a merchant gets an offer, whether they accept it, whether the money reaches them in minutes, and whether they come back for the next one. You own all of it and every product inside it. Today that is cash advances and loans repaid out of a merchant's sales. In testing, it is vehicle financing for fleet operators and inventory-backed credit lines for e-commerce merchants. What we build after that is your call, along with which markets and verticals we go into next. You will also own pricing. Risk sets the guardrails, Finance sets the margin bands, and inside them, how we price and what we test is yours. You will work with the founders, with Risk, with Finance, with the platforms themselves, and with engineers and designers. In this role, you will - Own the funnel end to end: eligibility, acceptance, payout, renewal, and the numbers behind each. - Turn company strategy into product strategy, on a six-month horizon, steered in six-week blocks. - Own expansion. New platforms, new countries, and new use cases held together end-to-end. - Own pricing. How we structure it, how we test it, and what we do with the result. - Be the front door for Commercial, ops and our platform partners, so the team can build. - Set the bar for discovery and delivery. The team drives both. You make sure work starts from a real problem and ends with something we can measure. - Get the data we need in from the platform, a public register, or the merchant, in that order. ## What you'll need to be successful - 5 to 8 years in product, at least two owning a funnel or conversion metric you were personally judged on. - Real evidence of moving a funnel: experiments you ran, what happened, and which ones failed. - You know how to test a price. Not credit modelling; we have a Risk team for that. Experiment design: what you change, who you change it for, how long you wait, and how you tell a real result from noise. - You have taken a product into new markets or new segments end-to-end, with legal, ops, engineering, and an outside partner all needing to land at once. - The nerve to push back on a partner. Platforms are our customer and our supplier at the same time, and not every request is good for the merchant. - You still do the work yourself: the spec, the data, and clicking through the merchant flow as a first-time user. - You write clearly. Most decisions here are made and defended in writing. - Fluency in English. - A bias for ownership: you treat the business like it's your own. Nice to have: hands-on pricing experience, time in a marketplace, platform or embedded finance business, or a stint as the only product person in a company. You do not need a lending background; the credit expertise sits elsewhere in the company. Growth path At finmid, growth follows ownership and impact rather than a fixed path. This role sits at the center of how the company makes money, so the surface area is large from day one. Depending on your strengths, it can grow towards broader product leadership as the team scales or towards deep ownership of pricing and the commercial model. Location - Location: Berlin or Remote (Europe) - Start date: as soon as you can ## Benefits - We see ourselves as “distributed first” (i.e. work from anywhere) but also have a beautiful office in Berlin where you can work - We are flexible and cover whatever you need to be as productive as possible - Home office stipend - 30 days time off - Meaningful equity - Open-minded and transparent culture that includes regular get-together meetings (e.g. All Hands, Brown Bag Lunch, Offsites) We're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. We welcome diverse perspectives and people who think out of the box and aren't afraid to challenge assumptions. Join us. ## About Finmid ## Company Overview - **One-liner**: Finmid provides embedded lending infrastructure that enables software platforms and marketplaces to offer tailored financing products to their business customers. - **Entity Type**: Private (Series A) - **Headquarters**: Berlin, Germany - **Founded**: 2021 - **Founders**: Alexander Talkanitsa, Max Schertel ## Core Business - **Primary industry/industries**: Financial Services, Fintech, Lending Infrastructure - **Target customers**: B2B — specifically B2B software platforms, marketplaces, and vertical SaaS companies serving small and medium-sized businesses (SMBs) in e-commerce, hospitality, rentals, and wholesale. - **Mission or purpose statement**: To enable platforms to turn financial services into a growth lever and a competitive advantage, powering the next decade of global growth for businesses everywhere. ## Products & Services - **Embedded Lending Platform (API & iframe)**: A single infrastructure that allows platforms to offer financing products to their business customers across 30+ European markets. Underwrites at the portfolio level using real-time sales data rather than traditional credit scores, achieving ~90% eligibility. - **Cash Advance**: Pre-approved advances up to €1M with terms up to 12 months and flexible, revenue-based repayments. Ideal for small businesses needing speed and flexibility. - **Term Loan**: Pre-approved loans up to €5M with terms up to 12 months and flexible repayments. Designed for larger, more mature customers. - **Business Loan**: Pre-approved loans up to €5M with terms up to 5 years, offering fixed or flexible repayment schedules. Suited for enterprise businesses with large capital needs. - **Full Dunning & Collection Service**: Finmid manages the entire collections process, allowing clients to focus on core operations. - **24-hour Payouts**: Funds are delivered to customers’ accounts in less than 24 hours. ## Market Standing - **Valuation/Market Cap**: Not publicly disclosed. - **Key Metric**: Total funding of **$38.9M** (~€35M) across 4 rounds. - **Notable Investors/Partners**: Blossom Capital (lead in Series A and Seed), Earlybird Venture Capital (lead in Pre-Seed), Max Tayenthal (Angel). Partners include **Glovo**, **Thokmandee**, and **Your.Rentals**. - **Growth Signals**: - Reports a **306% ROI** for clients. - Financed customers place **31% bigger orders** and grow sales by **45%** in six months. - Customer retention improvement of **88%** (return for more funds). - Active in 11 countries with a presence across Europe, including the UK, Spain, France, and Lithuania. - 73 NPS score and over 88K offers made. ## Competitive Advantages - **Portfolio-based underwriting**: Assesses risk at the portfolio level using real-time platform data (e.g., sales history) rather than individual credit scores, unlocking financing for up to 90% of a platform’s customer base. - **Speed of deployment**: Can launch a fully branded lending solution in as little as **5 days** using an iframe, or **10 days** via API. - **Regulatory simplicity**: Handles all regulatory complexity across 30+ European markets, allowing platforms to offer lending without becoming a regulated entity themselves. - **Dynamic, risk-based pricing**: Prices loans based on individual risk, ensuring every customer gets a tailored offer, maximizing conversion. ## Strategic Focus - **Scaling across Europe**: Expanding lending capabilities across 30+ markets with a single infrastructure. - **Deepening platform integrations**: Focusing on vertical SaaS and marketplace partners in high-growth sectors (e.g., food delivery, short-term rentals, e-commerce). - **Product expansion**: Offering a range of lending products (Cash Advance, Term Loan, Business Loan) to serve different customer sizes and needs. - **Building the team**: Actively hiring for roles in engineering, operations, and go-to-market to support growth, while maintaining a lean, high-impact team. ## Why Work Here - **Culture**: Described as a builder culture with a focus on impact. The company values ownership and is building the "infrastructure behind the future of capital access." - **Work Policy**: In-office or remote options available, with a primary physical office in Berlin. The typical time on-site is listed as "None" for some roles, suggesting flexibility. - **Team & Growth**: A team of ~51 people with a flat structure. Key hires come from top fintech companies like N26, Klarna, and Zalando. The company has a strong emphasis on engineering and product talent. - **Perks**: Not explicitly detailed, but the company offers competitive compensation (rated 3.8/5 on Built In) and career growth (rated 3.9/5). The environment is fast-paced and focused on solving complex problems in fintech. - **Notable**: The company has a 3.9/5 employer rating (based on 20 reviews) and is actively hiring for roles like "Entrepreneur in Residence (GTM)" and "Commercial Counsel," indicating a focus on strategic growth. ## Sources 1. [finmid.com](https://finmid.com/) 2. [Built In](https://builtin.com/company/finmid) 3. [Crunchbase](https://www.crunchbase.com/organization/finmid) 4. [LinkedIn](https://de.linkedin.com/company/finmid) 5. [CB Insights](https://www.cbinsights.com/company/finmid) ## Other roles at Finmid - [Finance Manager](https://feeny.ai/job/finance-manager-finmid-berlin-jgtsd2a5rh7t) — Berlin, Germany / London, United Kingdom - [Data Science Intern (FT Potential)](https://feeny.ai/job/data-science-intern-ft-potential-finmid-berlin-ghk44fgw7rj9) — Berlin, Germany - [Entrepreneur in Residence (GTM)](https://feeny.ai/job/entrepreneur-in-residence-gtm-finmid-berlin-fxs60ve2gkwy) — Berlin, Germany / London, United Kingdom - [Create Your Own Role!](https://feeny.ai/job/create-your-own-role-finmid-berlin-z4688psjwn9r) — Berlin, Germany