Senior Product Manager - Cards

Lever, Inc.; Greater London; Hybrid; GBP 100,000 - 140,000; Full time

Job summary

Zopa is seeking a Senior Product Manager for Credit Cards Originations to own the product and performance from first interaction to onboarding. You will drive profitable account growth, conversion and customer experience, partnering with Credit to align strategy and pricing.

You will lead a squad of engineers, collaborate with fraud, analytics and operations, and continuously improve journeys, journeys, and partnerships with open-banking or third-party providers.

Qualifications

• Own measurable commercial and customer outcomes across a complex digital product area.
• Turn ambiguous problems into a clear direction, prioritised roadmap and defined measures of success.
• Balance growth, conversion, unit economics, customer outcomes and risk considerations.
• Be accountable for clear goals and KPIs and adapt when evidence suggests changes.
• Build strong product–engineering partnerships and lead end-to-end work from discovery to launch and iteration.
• Use data to form hypotheses, decisions and explanations for choices.

Responsibilities

• Set the direction and roadmap for Credit Cards Originations from first interaction through onboarding.
• Identify opportunities to improve profitable new-account growth using customer, commercial and risk signals.
• Partner with Credit and Fraud to evolve capabilities behind eligibility, affordability, decisioning, pricing and fraud prevention.
• Lead the product direction for a squad of engineers and collaborate with design, analytics and operations.
• Improve conversion by simplifying journeys and testing web and in-app changes.
• Shape partnerships and data opportunities, including open-banking and third-party propositions.
• Make pragmatic trade-offs across customer outcomes, economics, risk, quality and speed.
• Develop the team’s ways of working, embracing AI and automation where appropriate.

Skills

Product leadership

Roadmap planning

Data-driven decision making

Stakeholder management

Cross-functional collaboration

Tools

SQL

BI Tools

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

Credit Cards is focused on creating distinctive products and growing profitably. The Originations team owns the experience and capabilities that take a customer from a customer’s first interaction with Zopa through application, decisioning and onboarding bringing together engineering, credit, fraud operations and partners.

As Senior Product Manager, you will own the Originations product and its performance — driving profitable new-account growth, conversion and customer experience from a customer’s first interaction with Zopa through to onboarding. You’ll partner closely with Credit, who own credit strategy, customer selection and pricing.

A day in the life:

• Set the direction and roadmap for Credit Cards Originations from a customer’s first interaction with Zopa through application and onboarding.
• Use customer, commercial and risk signals to identify the biggest product opportunities to improve profitable new-account growth.
• Partner with Credit and Fraud to build and evolve the capabilities behind eligibility, affordability, decisioning, pricing and fraud prevention. Credit own s credit strategy, customer selection and pricing; you own how these are translated into scalable product capabilities and customer experiences.
• Lead the product direction for a squad of engineers and work closely with shared decisioning, design, analytics and operations colleagues.
• Improve conversion by simplifying journeys, reducing avoidable referrals and testing web and in-app changes.
• Shape partnerships and data opportunities, including open-banking and third-party propositions.
• Make pragmatic trade-offs across customer outcomes, conversion, economics, risk, quality and delivery speed.
• Develop the team’s ways of working, including practical use of AI and automation to improve productivity, speed and quality. productivitiy and effectiveness.

About you:

• You have owned measurable commercial and customer outcomes across a complex digital product area.
• You can turn ambiguous problems into a clear direction, prioritised roadmap and well-defined measures of success.
• You bring sound commercial judgement and can balance growth, conversion, unit economics, customer outcomes and risk considerations.
• You are comfortable being accountable for clear goals and KPIs, and changing course when the evidence shows the current plan is not working.
• You build strong product-engineering partnerships and lead work end to end, from problem definition and discovery through launch, measurement and iteration.
• You use data to form hypotheses, make decisions and explain what you chose not to do.
• You influence senior stakeholders and cross-functional partners without relying on hierarchy.
• You are hands-on, decisive and comfortable getting into the detail when needed.
• You continually improve how a team works and are open to using AI and automation thoughtfully.

Added bonus

• Experience in consumer fintech or a fast-moving, customer-facing scale-up.
• Comfortable working directly with data using SQL, scripting languages and BI / analytical tools where needed.
• Experience developing or coaching product managers or analysts.
• Experience of third-party data, open banking or strategic partner propositions.

At Zopa 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

Zopa 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

At Zopa, AI isn't something we're testing out — it's part of how we work every day. As a proud partner ofJobs 2030,we'recommitted to building AI fluency across our workforce, and we expectZopiansto use AI as part of how they do their jobs.

Because of that, we want to be transparent about how we think about AI use during our hiring process.

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.