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Jack Chivers.
FRACTIONAL HEAD OF PRODUCTProduct & technical strategy

Steady handsin open water.

A head of product who turns real customer signal into product and technical strategy, all the way through to ROI.

Get in touchSee the work

Head of Product, payFURL/Based in Sweden/Consulting

01 / 04How I work

Product is a flywheel. The customer sits at the centre of it.

Research becomes design, gets built, launched, supported, marketed, and sold. What customers reject feeds straight back into research. Hover any stage.

01 / 07

Research

Turn qualitative and quantitative signal into decisions the business can act on.

THE SHAPE

T-shaped, going deeper.

Depth in product, breadth across the business, and now going deeper in engineering and commercial, where the strategy actually gets decided.

Breadthacross the business
DesignPrivacy & LegalFinance & ROISalesMarketingCustomer SuccessCapital Raising
Product
Deep
Engineering
Growing
Commercial
Growing
Depth in product
02 / 04Capabilities

Depth in product. Fluent everywhere it touches.

The job spreads horizontally: from research and design through to commercial, legal, finance, and the raise.

01Product discoveryQual and quant research turned into decisions
02Design partnershipCritique, design systems, getting the best from designers
03Technical fluencyRead code, weigh cloud trade-offs with a tech lead
04Go-to-marketLaunch, positioning, and demand
05Commercial & contractsB2B negotiation and deal shape
06Privacy & legalPolicy and compliance, covered before launch
07ROI & business casesThe language leadership actually speaks
08Business operationsHow the business makes money, and why
09Capital raisingEarly-stage raises and the investor narrative
03 / 04Selected work

Payments, AI, fintech, and where it all started.

All work
Payments · Product & engineering strategy

payFURL

Fractional Head of ProductMar 2026 – Present

Establishing product and engineering systems and workflows, operationalising an agentic harness across the business so context stays consistent across every vertical, and aligning product and engineering strategy to the overarching business strategy. Current fractional engagement.

AI · Partnerships

Decidr

Product LeadOct 2024 – Apr 2026

Employee #12. Scaled the AI partnership portfolio to $2M+ ARR across three products, launched ten AI-powered partner products in twelve months across APAC, and secured 15+ enterprise AI partnerships across six-plus commercial agreements, at the intersection of rapid growth and enterprise go-to-market.

Fintech · Smart receipts

Slyp

Senior Principal Product ManagerAug 2022 – Nov 2024

Senior Principal PM at an Australian fintech reinventing the receipt: smart, itemised receipts delivered straight into banking apps. Product across bank and retailer partnerships and the commercial layer that made them work.

Proptech · Digital twin

Willow

Product LeadDec 2018 – Jul 2022

Product Lead, and earlier Product Owner, at Willow: the digital twin for the built world. Connecting people and organisations with buildings and infrastructure through data, at enterprise scale.

SaaS · Accounting software

Reckon

Product OwnerFeb 2015 – Dec 2018

Where product started: from customer-facing cloud solutions to Product Owner at Reckon, an Australian accounting software company. Learned the business from the customer inward.

04 / 04The collective

Better with a team around the loop.

Three specialists who keep ending up on the same problems. Together we cover the loop: customer and product, AI strategy and build, story and content.

ProductYou are here

Jack Chivers

Customer to product to ROI.

AI strategy & build

pdconsults

Pravesh

AI strategy and implementation for founder-led businesses.

Content & copy

asapbobby

Rob Orme

Content and copywriting, from strategy to publishing.

Sweden · EU · Global

Available for product leadership and consulting.

Building something in payments or AI, or need a head of product who can take it from customer insight all the way to ROI? Let's talk.

Get in touchEmail me