Product Manager - Unsecured personal loans

Zopa; Greater London; On-site; GBP 70,000 - 100,000; Full time

Job summary

Zopa, the UK fintech behind the P2P lending and bank, is hiring a Product Manager in the Unsecured Personal Loans Growth team. You will own how we originate loans, focusing on decisioning, data, and the product journeys that determine who we can lend to and how customers access offers.

You will work with a small, ambitious product team and collaborate with Credit Risk, Data Science and Front Line Risk to deliver measurable results.

Responsibilities

• Own lending decisioning and data journeys to enable offers.
• Identify opportunities to improve conversion and eligibility.
• Rethink third‑party data usage and partner journeys.
• Shape decisioning rules and lending logic to impact outcomes.
• Collaborate in a small, ambitious product team with risk and data partners.

Job description

Our Story

Hello there. We’re Zopa.

We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!

We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.

If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count.Want to see us in action? Follow us on Instagram @zopalife

The team

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.