Product Manager

Who you are

• You are analytically strong and comfortable using data to find non-obvious product insight
• You have made product decisions that delivered measurable commercial outcomes
• You can partner closely with engineers through scope and timeline trade-offs
• You approach ambiguous problems with sound judgement and a bias for practical progress
• You communicate clearly with senior stakeholders across technical and risk-focused teams
• You are motivated by growth, efficiency and business impact
• Experience in lending, consumer credit or related financial products
• Familiarity with originations, underwriting, pricing or servicing
• A quantitative foundation through study or equivalent experience
• Experience in a fast-paced, data-led fintech environment

What the job involves

• Unsecured Personal Loans is one of Zopa’s largest and most established products, sitting at the heart of the bank’s growth ambitions
• As a Product Manager in UPL Growth, you will own a meaningful part of how we originate loans: the decisioning, data and product journeys that determine who we can lend to, how confidently we can make an offer, and how simply customers can access one
• This is far more than keeping a mature product moving. You will have the space to identify the biggest opportunities to improve conversion, eligibility and growth, then take them from a commercial hypothesis through discovery and delivery into measurable results
• That might mean rethinking how we use third-party data, improving a partner journey, or changing the rules and logic behind our lending decisions
• You will work in a small, ambitious product team alongside three flexible backend engineering teams, with close partnership from Credit Risk, Data Science and First Line Risk. The work is complex, fast-moving and consequential: the decisions you shape will directly influence customer outcomes and the scale of Zopa’s lending business
• The work sits closer to commercial and analytical reasoning than to customer discovery — you will spend as much time interrogating data, sizing opportunities and shaping decisioning logic as you will running user research. If that sounds like the kind of PM work you are drawn to, this role is built for you
• Own a defined area of the UPL growth roadmap, from opportunity sizing through to launch, measurement and iteration
• Turn commercial and customer signals into a clear product strategy, choosing where to focus and what not to pursue
• Shape the origination and decisioning experience, including the rules, journeys and data that sit behind a customer receiving a loan offer
• Lead cross-functional discovery with Engineering, Credit Risk and Data Science to find the most valuable, feasible route to growth
• Develop propositions that give customers greater clarity and confidence before they invest time in a full application
• Make the call on scope and sequencing, balancing customer value, risk, commercial return and engineering effort
• Use data to uncover friction, validate hypotheses and quantify the impact of your work
• Bring new growth ideas into the roadmap, from smarter use of existing data to new external data sources and partner opportunities
• Translate complex lending and technical problems into decisions that senior stakeholders can align behind
• Build, launch and continually improve products that help Zopa move closer to becoming the UK’s leading unsecured lender

Benefits

• 2-3 days a week in the office. We value face-to-face collaboration and a good work-life balance.
• You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one (*Subject to having the right to work in the country of choice)
• On top of regular bank holidays, you’ll get 25 days holiday as standard, rising up to 30 days as your tenure grows. For any teams that operate on a bank holiday, you may be offered an alternative day off.
• As a Zopian, you can opt into our private medical insurance through Vitality Health. This’ll give you access to private medical care, discounted gym memberships, and other rewards such as savings at various retailers for maintaining an active lifestyle. You also get free Headspace access to help with the all-important mindfulness we need
• 16-weeks full pay for all new parents. We offer enhanced maternity and paternity pay to employees wishing to start a family. New parents, including those adopting, are eligible to take up to 16-weeks leave at full pay.