Senior Product Manager - Cards

Zopa; Greater London; On-site; GBP 90,000 - 120,000; Full time

Job summary

Zopa is seeking a Senior Product Manager to own the Credit Cards Originations product, driving profitable new-account growth, conversion and onboarding from first interaction to activation.

You will collaborate with Credit and Fraud, lead a squad of engineers, and shape open-banking and data opportunities while balancing customer outcomes with risk and economics. Expect close cross-functional partnership and bold, impact-led delivery.

Qualifications

• Owned measurable commercial and customer outcomes across a complex digital product area.
• Able to turn ambiguous problems into a clear direction and prioritized roadmap.
• Balance growth with sound commercial judgement.

Responsibilities

• 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.
• 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.

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 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,