Senior Technical Product Manager - Decisioning & Customer Identity

Zip Co Limited; Sydney; On-site; AUD 140,000 - 180,000; Full time

Benefits offered by this job

25 days paid leave annually

16 weeks parental leave

Mental health & wellness initiatives

EAP access Sonder

Novated leasing

Fee-free Zip products

Team social events

Free breakfast and weekly lunches

Job summary

Zip Co Limited is seeking a seasoned Product Manager in Sydney to own the platform capabilities behind customer, credit, fraud, and identity decisions. You will translate complex business problems into platform requirements and work with Engineering to prioritise investments and roadmap evolution.

You’ll collaborate across Product, Engineering, Risk and Data, shaping an identity-first approach that improves onboarding, servicing and decision making.

Qualifications

• 7+ years of Product Management experience in fintech or banking.
• Strong technical capability; ability to work with Engineers on solutions.
• Domain knowledge in decisioning, credit risk, fraud, or Identity and Access Management.
• Technical grounding in API first design, event driven architecture and distributed systems.

Responsibilities

• Set the product vision, strategy and roadmap for Zip’s decisioning, credit risk, fraud and customer identity platforms.
• Partner with Engineering to understand technical components and determine platform solutions.
• Lead improvements to platform scalability, performance, reliability and governance.
• Translate business problems into clear product opportunities.

Skills

Product management

Technical depth

Stakeholder mgmt

AI mindset

Tools

API first design

Event-driven arch

Distributed systems

Job description

• Turn complex business problems into smart technology solutions, shaping the platforms behind Zip’s credit, fraud and identity decisions
• You’re a strong Product Manager who can get to the heart of a business problem, understand the technology behind it and work with Engineering to turn that understanding into the right product priorities
• Work flexibly from our Sydney office, partnering with Product, Engineering, Risk and Data teams

Write your story with a career at Zip

Join Zip’s Product team and own the platform capabilities behind our customer, credit, fraud and identity decisions.

This role is about connecting the dots between business and technology. You’ll dig into complex business problems, understand the customer, commercial and risk outcomes we’re trying to achieve, then get close enough to the technology to understand what needs to change and why.

You don’t need to be an Engineer, but you do need strong technical depth. You’ll be comfortable getting into the detail with Engineering before stepping back to make clear product decisions about where we invest, what we prioritise and how our platforms need to evolve.

What you’ll own

Get to the heart of complex business problems and translate them into clear product and platform opportunities.

Set the product vision, strategy and roadmap for Zip’s decisioning, credit risk, fraud and customer identity platforms.

Partner deeply with Engineering to understand the technical components of business problems and determine the right platform solutions.

Lead improvements to platform scalability, performance, reliability and governance.

Shape an identity first approach to customer data that supports better onboarding, servicing and decision making.

Bring together customer, commercial, risk, data and technology perspectives to make smart prioritisation decisions.

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:
• 7+ years of Product Management experience, ideally including technical or platform products within fintech or banking.
• A strong Product Management mindset. You start with the business problem, ask the right questions to understand it deeply and translate that understanding into clear product outcomes and priorities.
• Strong technical capability, with the ability to understand the technology behind a business problem and work confidently with Engineers on potential solutions and trade offs.
• Domain knowledge in decisioning, credit risk platforms, fraud prevention or Identity and Access Management.
• Technical grounding in API first design, event driven architecture and distributed systems.
• Strong commercial judgement, analytical thinking and stakeholder management, with the ability to connect technology investment to measurable business and customer outcomes.
• 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.