Chief Product & Operating Officer

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. ABOUT LEMFI LemFi is a fintech company serving the diaspora communities globally, offering remittances, credit, savings, and investing products built around the realities of moving money across borders. The company has grown to roughly 3 million users, around $1.5B in monthly payment volume, and $160M+ in annual revenue. LemFi is Y Combinator-backed and has expanded through acquisitions including Wealth8, and Pillar, broadening the product suite beyond remittances into wealth, credit, and crypto-adjacent services. The company operates on a tribe-based organizational model and is backed by investors including Highland Europe, Left Lane Capital, Palm Drive Capital, and Endeavor Catalyst. ROLE SUMMARY LemFi is at the stage where product and operations need a single owner who can hold both together — someone who can drive the product roadmap across remittances, credit, savings, and investing while also making sure the operating engine (customer ops, compliance-adjacent workflows, corridor performance, cross-functional execution) scales cleanly with the user base. This role reports directly to the CEO and sits on the executive team. The mandate is to translate LemFi's growth ambitions into a coherent product strategy and a repeatable operating rhythm — closing the gap between what the company wants to build and how reliably it ships and runs. KEY OUTCOMES (FIRST 12–18 MONTHS) - A unified product roadmap across remittances, credit, savings, and investing, with clear prioritization tradeoffs the exec team can rally behind - A scaled operating model that keeps pace with user growth without a proportional headcount increase — measurable improvements in cost-to-serve and turnaround times - Successful integration of acquired products (Wealth8, Pillar) into a coherent user experience and operational playbook - A repeatable process for launching new markets and products that shortens time-to-market - Strong, healthy working relationships with the tribe leads, turning the tribe-based model into a genuine execution advantage rather than a coordination tax CORE RESPONSIBILITIES Product Leadership - Own the end-to-end product strategy and roadmap across remittance, credit, savings, and investing lines - Set prioritization frameworks that balance new corridor/product launches against deepening existing markets - Partner with engineering and design leads to raise the bar on shipping velocity and product quality - Drive product integration for acquired businesses (Wealth8, Pillar) into a single, coherent LemFi experience - Use data and user research to identify the highest-leverage product bets, particularly around diaspora-specific needs (cross-border credit, savings, and investing behavior) Operations Leadership - Own the operating rhythm of the company — planning cycles, cross-functional execution, and performance reporting to the CEO and board - Scale customer operations and support functions in line with user growth, without letting cost-to-serve creep up - Build and maintain the metrics infrastructure needed to see corridor-level and product-level performance clearly - Strengthen the tribe-based organizational model — clarifying ownership, reducing duplicated effort, and improving cross-tribe coordination - Work closely with compliance, risk, and finance to ensure operational scaling stays within regulatory and risk tolerances across LemFi's markets Business KPIs & Revenue Ownership This role carries direct accountability for the numbers, not just the roadmap and the org chart. Specifically: - Revenue growth: own the plan to grow annual revenue beyond its current $160M+ base, with clear visibility into which product lines and corridors are driving it - Contribution margin: track and improve contribution margin (not just gross margin) at the corridor and product level, and kill or fix underperforming corridors - Payment volume growth: grow monthly payment volume beyond the current ~$1.5B, and understand which levers (new corridors, existing-corridor penetration, cross-sell into credit/savings/investing) are moving it - Cost-to-serve: keep cost-to-serve flat or falling as the user base scales past 3 million, especially as customer ops and support scale - Reporting cadence: deliver a regular, trusted KPI readout to the CEO and board — the numbers should never be a surprise This is treated as a first-order responsibility of the role, on par with the product and operations mandates above, not a downstream reporting duty. WHAT WE'RE LOOKING FOR - 10+ years in senior product and/or operations leadership, ideally with time as a CPO, COO, or VP-level product/ops leader at a high-growth fintech or consumer company - A demonstrated track record of scaling both a product org and an operating model simultaneously — not just one or the other - Direct experience with financial services In Europe or North America is a strong plus - Comfort operating in a fast-moving, acquisitive environment — experience integrating acquired products/teams into an existing organization - Strong quantitative fluency: comfortable setting up and reading unit economics, cost-to-serve, and corridor-level performance metrics - Experience working directly with a founder-CEO and board, with the communication skills to translate messy tradeoffs into clear recommendations - A bias toward building repeatable systems and processes rather than relying on heroics NICE TO HAVE - Experience with credit or lending products - Prior experience post-acquisition integration, particularly in fintech M&A - Background in a tribe/squad-based or similarly decentralized organizational model - Existing network across South Asian, or Latin American fintech and payments ecosystems LOGISTICS - Location: London preferred, with regular travel to key markets - Reports to: CEO - Team: Works across LemFi's tribes; partners closely with engineering, design, compliance, risk, and finance leadership - Travel: Expect regular travel across LemFi's operating markets, particularly where corridor or acquisition-integration work is active WHY JOIN LEMFI? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android.