Liv, smiling, with blonde hair, round glasses, red lipstick and pink heart earrings

Liv Allden

Product leader for early-stage, mission-led startups.

I've spent 10 years in product, including as Head of Product and CPO at Peblo, mostly in fintech and payments. I took iwocaPay from idea to MVP in 3 months, grew Flux Offers from 0 to 65k users and scaled Tabeo Plans to 14,000+ patients. Now I'm at tiney, England's largest childminder agency, where I own product across growth, onboarding and operations. Feel free to reach out, I'm always open to chat.

How I work

I do my best work when the scope is broad, the problems are messy and there isn't much process in the way. A lot of how I work now runs on AI. I prototype features in code myself, so engineers start from something real. I use AI for data analysis and forecasting, and I run lots of small experiments to test an idea before we commit to building it.

I've line managed PMs and designers and led a product and engineering function of 14. I put a lot of effort into making sure my teams are happy and proud of what they ship.

The road so far

Ten years of product, most recent first.

tiney

Product Manager August 2025 – Present

AI/Automation Specialist April 2025 – August 2025

tiney is England's largest childminder agency. We recruit, train, register and support home-based childminders so more families can access great early years care, and the tiney app runs a childminder's whole business. I own product for growth, onboarding and operations, leading a squad of engineers alongside design. I joined on a contract to help the operations team work faster using AI and automation, then stayed on permanently as a PM.

  • Built tiney's Calendar, so childminders can manage schedules and invoices themselves. 63% of changes were self-serve in the first month, and invoice-related support messages fell 25%
  • Rebuilt the onboarding journey around the DBS check, the step that most often holds trainees up. The share submitting their DBS within 14 days of joining nearly doubled (18% to 33%)
  • Redesigned the lead gen form and call booking flow and A/B tested it with ~10k visitors: 16% more sales call bookings from the same traffic
  • Led the HMRC Making Tax Digital integration so childminders can submit their tax returns to HMRC from the app
  • Set up Intercom's Fin AI agent as our front line support chat, cutting first response times from 2+ days to under 4 hours. Childminder NPS went from +5 to over 50

Tabeo

Senior Product Manager April 2024 – March 2025

Tabeo is a B2B2C finance and SaaS company, providing finance, card payments and subscription plans for dental practices.

  • Accountable for Tabeo's product function, leading two product teams and the company's core products: Finance, Cards and Plans
  • Managed the engineering and design function, including 8 backend engineers, 2 frontend engineers, 2 QA engineers and 2 designers
  • Launched Plans, which lets dental practices offer memberships to patients, and scaled it to 100+ merchants and 14,000+ consumers within six months
  • Led the integration of Stripe as our direct debit provider so merchants could migrate existing mandates, unlocking 90% of merchant and consumer acquisition for Tabeo Plans

Peblo

Chief Product Officer September 2023 – January 2024

Head of Product August 2022 – September 2023

Peblo provided invoice finance, payments and automated invoicing for talent agencies, and was acquired by Wayflyer.

  • Accountable for the product function, including line management of 2 PMs and a product designer
  • Launched the MVP and updated pricing model of our core product, opening and growing our first revenue stream
  • Automated 50% of all underwriting assessments, allowing us to scale the business without hiring
  • Released a payments product and Quickbase integration to further automate our customers' back office jobs
  • Owned internal reporting, including key dashboards for investors and cashflow forecasting models

Flux

Product Lead June 2021 – May 2022

Flux was a Series A stage fintech startup that provided itemised digital receipts and cashback rewards directly inside mobile banking apps like Monzo, Starling Bank and Barclays.

I led the product team at Flux, and was responsible for our Offers product and our Integrations team, who looked after Flux's APIs and our bank and retailer partnerships. We built and launched Flux Offers, which gives consumers instant cashback when they shop with their Flux-linked card, inside of three months. We then grew our user base from 0 to 65k users, opened up a stable revenue stream and onboarded record numbers of retailers to the Flux network as a result.

Triangirls

Volunteer Organiser January 2021 – June 2023

Triangirls is a community for women, trans and non-binary folks who work in tech. I was one of four organisers who voluntarily ran the events and the community.

iwoca

iwoca is a fintech that provides flexible business loans and credit cards to small and medium-sized enterprises in the UK and Germany.

Product Lead, iwocaPay November 2019 – June 2021

iwocaPay is a B2B “Buy Now, Pay Later” and payment solution by iwoca designed for UK trade customers and merchants.

I was the product lead for iwocaPay, a new payments product that lets B2B businesses outsource their payment terms. We brought it from ideation and testing to a live MVP in 3 months, achieved 3x growth in onboarded businesses during the first lockdown, and built a Xero integration and a PIS payment solution. I led the process of generating ideas, testing their value with quant and qual metrics, and turning them into a realistic set of minimal requirements for engineers, and worked closely with marketing and ops to communicate the product and drive growth.

Product Manager October 2017 – November 2019

I was responsible for iwoca's in-house CRM systems, managing multiple senior stakeholders across the business. I led a cross-functional team of developers, BAs and designers to deliver improvements to our systems, including building a phone system (see this blog post), automated contact systems, and the automated prioritisation of tasks our customer-facing teams do. I worked closely with our analytics lead on A/B tests and better data collection, and line managed two business analysts and a product manager leading our marketing systems.

KPMG

Business Analyst September 2016 – October 2017

I joined a grad scheme as a business analyst in a tech team within KPMG, who developed accounting and regulatory reporting software.

King's College London

BA (Hons) English Language and Communication 2013 – 2016

I studied how language evolves, how it is used (particularly on social media) and how it's influenced by different groups within society.

At the end of the lane

I live in the countryside with my husband and our two cats. When I'm not building software, you might find me:

Travelling in Betty

My green-and-white LDV Convoy camper van.

Reading a book

I get through about one a week.

Making pottery

Knitting or crocheting

Cuddling my cats

George, a skinny black-and-white rescue, and Ellie, a white ragdoll.

Building something that matters?

I'm building at tiney, but always up for a conversation with founders working on mission-led products. The best way to reach me is LinkedIn.

Connect on LinkedIn