Product Owner - Embedded Accounting (Europe)

Job Title Product Owner - Embedded Accounting (Europe) Job Description We're looking for a Product Owner to deliver embedded accounting experiences across Europe, helping small businesses access accounting capabilities directly through the fintech, banking and digital platforms they already use. You'll translate customer and partner needs into scalable product capabilities, using Sage's SMB & Accountants Platform to follow a "build once, deploy many" approach rather than creating bespoke solutions for individual partners. Your focus will be on making bookkeeping, onboarding and compliance simpler for sole traders and SMBs, while using AI and agentic workflows to improve activation, usage and retention. You'll also help identify opportunities to bring fintech services such as payments and lending into these experiences. Working closely with Engineering, Platform, Embedded Services, Commercial and Go-to-Market teams, you'll help accelerate partner launches, improve integration quality and contribute to new customer acquisition, adoption and sustainable ARR growth. This is a hybrid role working 3 days a week in our Newcastle office. First 90 Days

• 30 Days: Get to know the Embedded Accounting product area, the SMB & Accountants Platform and the existing partner landscape. Build relationships with colleagues across Engineering, Platform, Embedded Services, Commercial and Go-to-Market teams. Understand the customer journeys for sole traders and SMBs, particularly around onboarding, bookkeeping and compliance, and identify where customers and partners experience friction.
• 60 Days: Take ownership of your product priorities and translate partner and customer needs into clear, scalable requirements. Start identifying where existing platform capabilities can be reused across multiple partners instead of creating bespoke solutions. Work with Engineering and Platform teams to understand integration challenges and identify opportunities to improve partner time-to-market, activation and product usage.
• 90 Days: Be actively driving delivery across your Embedded Accounting area, with clear priorities connected to customer and commercial outcomes. Have effective working rhythms in place across Product, Engineering, Platform and partner-facing teams. Begin shaping opportunities to use AI across onboarding, reconciliation and compliance, as well as fintech capabilities such as payments and lending.
Meet the Team You'll work at the intersection of Product, Engineering, Platform, Embedded Services, Commercial and Go-to-Market teams, helping turn partner and customer needs into Embedded Accounting experiences that can scale across Europe. A key part of the role is connecting the needs of fintech, banking and platform partners with Sage's reusable platform capabilities. You'll work closely with technical teams on delivery and integrations, while partnering with commercial and go-to-market colleagues to make sure what we build supports customer acquisition, adoption and monetisation. This is a highly cross-functional role where you'll help bring accounting, financial services and compliance together into simpler, AI-enabled experiences for small businesses. How Success Will Be Measured
• Faster and higher-quality launches with fintech, banking and platform partners
• Increased use of reusable SMB & Accountants Platform capabilities across partner integrations
• Improved customer onboarding, activation, product usage and retention
• Growth in new customer acquisition through Embedded Accounting partnerships
• Adoption and monetisation of embedded fintech capabilities, including payments and lending
• Sustainable contribution to ARR growth
• Successful application of AI and agentic workflows to simplify onboarding, reconciliation and compliance
  
  Product Owner or product management experience within a digital, SaaS, platform or technology environment
• Experience translating customer and stakeholder needs into clear product requirements and priorities
• Experience working closely with Engineering teams to deliver digital products or platform capabilities
• Strong understanding of customer journeys and an ability to identify improvements across onboarding, activation, usage and retention
• Experience working across multiple teams and stakeholders in a cross-functional environment
• Comfortable using data, customer insight and commercial outcomes to inform product decisions
• Strong interest in AI and its application to customer and product experiences
• Fluency in English
Preferred
• Experience with platform products, APIs, integrations or embedded services
• Experience within accounting, fintech, banking, payments, lending or financial software
• Understanding of the needs of sole traders, small businesses or accountants
• Experience working with external technology, fintech or banking partners
• Familiarity with compliance requirements within European markets
• Experience with partner-led or platform-led customer acquisition models
• Additional European languages
  
  At Sage, we offer you an environment where you can grow professionally without compromising your personal well-being. Our benefits package is designed to provide stability, flexibility, and balance:
Benefits video - https://youtu.be/TCMtTYUUiuU
• Comprehensive health, dental and vision coverage
• Work away scheme for up to 10 weeks a year
• On-going training and professional development
• Paid 5 days yearly to volunteer through our Sage Foundation
• Flexible work patterns and hybrid working
#LI-AL2 Function Product Delivery Country United Kingdom Office Location Newcastle Work Place type Hybrid Advert Working at Sage means you're supporting millions of small and mid-sized businesses globally with technology to work smarter and move faster. We build software that reduces busywork so customers can spend less time on admin and more time building their business. Our colleagues are high-performers who prioritise growth, make bold choices, and focus and galvanise to get things done. They work on meaningful, market-shaping initiatives that stretch their skills, sharpen their craft, and create real customer impact. Explore our culture and benefits: sage.com/careers/working-at-sage We celebrate individuality and welcome you to join us if you embrace all backgrounds, identities, beliefs, and ways of working. We're a Disability Confident employer - if you're applying through this scheme or need adjustments at any stage, contact careers@sage.com. Powered by Sage People Recruit