Senior Product Manager, Agentic Commerce

Zip Co; Sydney; Hybrid; AUD 140,000 - 190,000; Full time

Benefits offered by this job

25 days paid leave annually

16 weeks parental leave for primarycar

4 weeks for supporting carers

Family support policies including bere

Mental health and wellness initiatives

Volunteer leave

Benefits hub and novated leasing

Zip product discounts

Office perks: free breakfasts and team

Job summary

Zip Co in Sydney/Melbourne is seeking a Senior Product Manager to lead Agentic Commerce and Tokenisation initiatives. You will own the product vision and roadmap, shaping how Zip becomes a discoverable and usable payment option within AI-led shopping experiences.

You will work across Engineering, Design, Data, Risk, Fraud, Compliance, Payments and Commercial teams to deliver secure, customer-ready experiences while balancing innovation with reliability and regulatory obligations.

Qualifications

• 5+ years of product management experience in payments, cards, banking or fintech.
• Strong commercial and analytical capability with data-driven decision making.
• Ability to lead across cross-functional teams in ambiguous, emerging spaces.

Responsibilities

• Define and own vision, strategy and roadmap for Agentic Commerce and Tokenisation.
• Shape how customers discover and select Zip across AI assistants and emerging experiences.
• Build a test-and-learn portfolio, validate assumptions and invest based on evidence.
• Partner with merchants to present Zip as a payment option in new experiences.
• Collaborate with Engineering to define protocols and tokenisation capabilities for secure payments.
• Foster external partnerships to bring Zip to priority surfaces.
• Align teams around shared outcomes and regulatory obligations.
• Define OKRs and communicate progress tied to commercial outcomes.
• Translate opportunities into customer-ready capabilities and drive growth.

Skills

Product management

Stakeholder leadership

Data-driven decision making

Ambiguity navigation

Job description

Senior Product Manager, Agentic Commerce

• Shape how Zip shows up in the next generation of commerce, taking bold ideas in AI led shopping and agentic payments from experimentation through to real customer experiences.
• Bring 5+ years of product management experience across payments, cards, banking or fintech, with the commercial judgement and product leadership to navigate complex and emerging opportunities.
• Work flexibly from our Sydney or Melbourne office, collaborating closely with Engineering, Design, Data, Risk, Fraud, Compliance, Payments and Commercial teams.

Write your story with a career at Zip

Join Zip’s Product team and help shape experiences that make it easier for customers to shop with confidence and for merchants to grow.

As a Senior Product Manager, you’ll take ownership of strategically important product opportunities that contribute to Zip’s customer and commercial growth. Your initial focus will be Agentic Commerce and Tokenisation, shaping how Zip becomes discoverable, selectable and usable as a payment option across emerging AI led shopping experiences.

This is a senior individual contributor opportunity in a fast moving space where many of the answers are still being discovered. You’ll combine strategic product thinking with a test and learn mindset, validating the biggest assumptions early and turning the strongest opportunities into secure, customer ready experiences.

As Zip’s strategy and customer needs evolve, you’ll also have the opportunity to apply your product leadership across other high impact areas of our portfolio.

What you’ll own

• Set and evolve the product vision, strategy and roadmap for Agentic Commerce and Tokenisation, balancing customer needs, commercial outcomes, technology readiness and risk appetite.
• Shape how customers can discover and select Zip across AI assistants, agents and emerging commerce experiences.
• Build a clear test and learn portfolio, identifying the assumptions that matter most, testing them efficiently and using evidence to determine where we invest.
• Partner with merchants to explore and shape how Zip can be presented as a payment option across new agentic commerce experiences.
• Work with Engineering and Architecture to shape the protocols, payment credentials and tokenisation capabilities required to enable secure agent initiated payments.
• Build productive partnerships with payment service providers, platforms and networks that can help bring Zip to priority commerce surfaces.
• Bring Engineering, Design, Data, Risk, Fraud, Compliance and Payments together around shared outcomes, creating experiences that balance innovation with reliability, security and regulatory obligations.
• Define meaningful OKRs and success measures, using data and validated learning to communicate progress, influence priorities and connect your work to Zip’s commercial outcomes.
• Turn validated opportunities into customer ready capabilities, iterating as you learn and helping Zip build the foundations for growth through emerging commerce channels.

What you’ll bring to the team

Zipsters work on a broad range of initiatives, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow.

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

• 5+ years of product management experience, ideally within payments, cards, payment service providers, banking or fintech.
• Experience owning complex customer facing products from strategy and discovery through to delivery, iteration and measurable outcomes.
• Strong commercial and analytical capability, with confidence using data to shape strategy, prioritisation and stakeholder decisions.
• A track record of working effectively in ambiguous and emerging problem spaces, framing assumptions and testing ideas when the outcome is not yet known.
• Strong stakeholder leadership, with the ability to bring technical, design, data, risk and commercial partners together around shared outcomes.
• Exposure to agentic commerce, AI led shopping or AI enabled and automated product experiences would be highly regarded.
• Experience building external partnerships or integrating third party payment capabilities would be valuable.
• Familiarity with tokenisation, payment credentials or emerging payment protocols and standards would be an advantage.
• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA. Customer First, Own It, Stronger Together and Change the Game.

What you'll bring to the team

• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA: Customer First, Own It, Stronger Together and Change the Game

What you’ll get in return

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands‑on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• 25 days paid leave annually, including birthday leave and quarterly wellbeing days
• 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
• Family support policies including miscarriage bereavement leave and domestic violence leave
• Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our EAP service Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave per year
• Access to the Flare Benefits Hub and Novated Leasing for savings across lifestyle, essentials and wellbeing
• Fee‑free Zip products, and discounts with Zip merchant partners
• Team social events, epic offices, free breakfast daily, and weekly free lunches

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people‑centred products that bring customers and merchants together.

Operating in two core markets - Australia and the US, Zip offers point‑of‑sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values‑led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.