Product Lead - Credit

Location: London (hybrid)
Team: Product Management
Reports to: Head of Product

About Covecta

Covecta is building the AI platform that optimises the Financial Institution. We embed the competence of a seasoned banker into how financial institutions operate at scale - starting by running individual tasks, advancing to running entire credit and compliance processes end-to-end, and building toward a bank that monitors, decides, and optimises itself.

Our agents do the work - they don't just update the system of record. That means the quality of our product is inseparable from the quality of the credit thinking inside it. This role exists to make sure that thinking is world-class.

The Role in One Line

You are the credit conscience of the product. You bring real commercial underwriting experience and turn it into agents that reason like a seasoned banker - then you stay close enough to customers and to our own systems to prove those agents perform, every time.

This is a rare blend: part domain authority, part product shaper, part quality guardian. It suits someone who has underwritten commercial credit for real, is energised by what AI can now do for banking, and wants to shape the product rather than just advise on it.

What You'll Own

• Shape the credit offering. Define and prioritise how Covecta handles the core of commercial lending - financial spreading and modelling, sensitivity and scenario analysis, and early-warning indicators at both customer and portfolio level. You decide what "banker-grade" means for each capability and hold the product to it.
• Encode seasoned-banker judgement into agents. Work hand-in-hand with the Applied AI team to translate how a good underwriter actually thinks - the questions they ask, the red flags they catch, the covenants they watch - into agent behaviour, datasets, and decision logic and the experience we deliver to our users.
• Own evaluation and quality. Design and run the evaluations that prove our agents perform as expected. Build and curate the test cases, define the pass bar, review agent output against real credit standards, and make sure that when something drifts, we catch it before a customer does. Our evaluation framework is existential to the business - you are central to it.
• Support customers alongside Commercial. Sit with prospects and clients during demos, pilots, and rollouts. Translate their credit processes into what Covecta can do, spot where an agent needs tuning to a client's covenant types or risk appetite, and be the credible voice in the room who has done the job the customer is doing.
• Be the bridge. Connect three worlds that don't usually speak the same language - credit, product, and AI engineering. You make the underwriters' reality legible to the builders, and the builders' capability legible to the bank.