Product Manager - UPL

United States Digital Space LLC; Greater London; Hybrid; GBP 75,000 - 110,000; Full time

Benefits offered by this job

Hybrid work model

Option to work abroad up to 120 days a

Job summary

the company in London seeks a Product Manager for the UPL Growth team, owning a meaningful portion of how we originate loans, including decisioning, data, and product journeys. You will drive opportunities to improve conversion and growth, then take them from hypothesis through discovery to measurable results.

You will work in a small, ambitious team with backend engineers and close partnerships across Credit Risk and Data Science, shaping lending decisions and partner journeys.

Qualifications

• Analytical mindset with data-driven decision making.
• Proven ability to translate data into commercial outcomes.
• Clear communication with senior stakeholders across technical and risk teams.
• Ability to collaborate closely with engineers on scope and timelines.
• Bias for practical progress and team-oriented problem solving.

Responsibilities

• Own defined area of the UPL growth roadmap from sizing to launch and iteration.
• Translate signals into a clear product strategy and prioritize actions.
• Shape origination, decisioning journeys and data behind loan offers.
• Lead cross-functional discovery with Engineering, Credit Risk and Data Science.
• Develop propositions that improve customer clarity and confidence in the application process.
• Balance scope, risk, commercial return and engineering effort in roadmaps.
• Use data to identify friction, validate hypotheses and quantify impact.
• Explore growth ideas, including new data sources and partner opportunities.
• Translate complex lending and technical problems into decisions for senior stakeholders.
• Build and improve products to move the company toward leading UK unsecured lending.

Skills

Analytical

Data-driven

Stakeholder communication

Engineering collaboration

Growth mindset

Job description

Our Story

Hello there. We're the company.We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched the company 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 the company.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 the company, 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 the company'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 the company'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.

A day in the life

• 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 the company move closer to becoming the UK's leading unsecured lender.

About you

• 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.

Added bonus

• Experience in lending, consumercredit 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.

At the company we value flexible ways of working.

We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.

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

Diversity Statement

the company is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

Our approach to AI in interviews

• Behavioural and competency-based interviews: pleasedon'tuse AI. These conversations are designed to understandyou— your experiences, your judgment, and howyou'veapproached real situations. An AI-generated answercan'ttell us that. What it can do is get in the way of us finding out whetherwe'rethe right fit for each other.
• Technical interviews: it depends on the role. Some technical stages actively welcome AI use,othersdon't. Your Talent Partner will let you knowwhat'sexpected at each stage.Where AI is part of the assessment,we'llbe interested not just in the outcome, but in how you used it – the tools you chose, your reasoning, and the decisions you made along the way.