Senior Product Manager - Cards

Zopa Bank; Greater London; Hybrid; GBP 80,000 - 110,000; Full time

Benefits offered by this job

Hybrid work model

Office in London

Job summary

Zopa Bank is redefining modern banking by listening to customers and moving finance forward. We’re looking for a Senior Product Manager to lead Credit Cards Originations, shaping eligibility, pricing, and decisioning across onboarding and account opening.

You’ll collaborate with fraud, risk, design, data and engineering, owning the direction and success metrics, and using data to drive impactful product choices. This hybrid London role offers dynamic collaboration and growth.

Qualifications

• Proven track record delivering measurable product outcomes.
• Ability to turn ambiguous problems into strategy with clear KPIs.
• Strong commercial judgment balancing growth, conversion, and risk.
• Experience in fintech or fast-moving consumer finance is a plus.
• Proven cross-functional leadership from discovery to launch.

Responsibilities

• Set direction and roadmap for Credit Cards Originations from first interaction through onboarding.
• Identify product opportunities using customer, commercial and risk signals.
• Collaborate with Credit and Fraud to evolve eligibility, pricing and fraud prevention.
• Lead a squad of engineers and partner with design, analytics, and operations.
• Improve conversion by simplifying journeys and testing changes.
• Shape partnerships and data opportunities including open-banking.
• Balance customer outcomes, economics, risk, and delivery speed.
• Develop the team's ways of working, including AI and automation.

Skills

Product strategy

Prioritisation

Stakeholder management

Data-driven decisions

Team leadership

Hands-on product work

AI/automation awareness

Decision making

Tools

SQL

BI tools

Data scripting

Job description

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 !

Our Story

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 !

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.
• U se customer, commercial and risk signals to identify the biggest product opportunities to improve profitable new-account growth. .
• artner 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 of Jobs 2030 , we're committed to building AI fluency across our workforce, and we expect Zopians to 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: please don't use AI . These conversations are designed to understand you - your experiences, your judgment, and how you've approached real situations. An AI-generated answer can't tell us that. What it can do is get in the way of us finding out whether we're the right fit for each other.

Technical interviews: it depends on the role. Some technical stages actively welcome AI use, others don't. Your Talent Partner will let you know what's expected at each stage. Where AI is part of the assessment, we'll be 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.