Group Product Manager (Direct-to-consumer)

Zip Co Limited; United States; Remote; USD 190,000 - 210,000; Full time

Benefits offered by this job

Flexible working culture

Incentive programs

Unlimited PTO

Generous parental leave

401k match

Learning and wellness stipend

Union Square office access

Zip-covered insurance for dependents

Job summary

Zip Co Limited is seeking a Group Product Manager to lead the strategy and execution for our direct-to-consumer financial products, adjacent to our BNPL core. You will own the product lifecycle from discovery through scale, mentoring 1–3 Product Managers and partnering with design, engineering, data, and risk teams.

You will shape a cohesive customer experience across Zip’s growing portfolio, drive adoption and retention, and balance commercial outcomes with regulatory and operational

Qualifications

• 10+ years of product-management experience in consumer-facing digital products.
• 3+ years of directly managing, mentoring, and developing Product Managers.
• Experience leading D2C financial products (BNPL, banking, or other regulated fintech).
• Experience launching new financial products from zero to one and taking them to adoption and scale.
• Experience managing a portfolio with early-stage and mature products.

Responsibilities

• Own the product vision, strategy, and multi-year roadmap for Zip’s direct-to-consumer product portfolio including BNPL and adjacent financial products.
• Identify and validate opportunities using customer research, data, market analysis, and Zip capabilities.
• Lead zero-to-one product initiatives and define target customers, MVP scope, and market launch.
• Create a coherent multi-product experience across Zip’s products to avoid fragmentation.
• Partner with design, engineering, data, and other teams to simplify complex financial concepts.
• Establish portfolio-level goals across acquisition, activation, adoption, retention, revenue and CLS metrics.
• Develop understanding of product economics with Finance, Risk, and Data to evaluate revenue, losses, and cost-to-serve.
• Balance team capacity and investment across lifecycle stages and scale responsibly.
• Collaborate with Marketing, Growth, CRM, and Partnerships on positioning, onboarding, lifecycle engagement, and cross-sell.
• Ensure regulatory, credit, operational, and funding considerations are incorporated from the start.
• Make tradeoffs between speed and scale, and decide when to build platform capabilities.
• Explore AI opportunities to improve personalization, discovery, and support.
• Mentor and develop PMs, and stay hands-on for complex discovery or strategy work.
• Raise the standard of PM across the group with better goals and decision-making.

Skills

Product management

Leadership

Direct-to-consumer

Fintech domain

Cross-functional collaboration

AI product applications

Job description

• Lead the strategy and development of new direct-to-consumer financial products adjacent to Zip’s core Buy Now, Pay Later offering.


• Shape a coherent, customer-centered experience across Zip’s growing portfolio—driving product adoption, engagement, retention, and sustainable business outcomes.


• Manage and develop a team of Product Managers responsible for both the continued success of Zip’s core BNPL product and new zero-to-one product launches.


• Join a remote-first US team, with the option to work in person from Zip’s Manhattan office.

Start your adventure with Zip

Zip is looking for a Group Product Manager to lead the next chapter of our direct-to-consumer product experience.

You will own the product strategy and execution for assigned new financial products adjacent to Zip’s core Buy Now, Pay Later offering while ensuring that our growing portfolio feels like one cohesive, intuitive experience for customers. Your mandate will span the full product lifecycle: identifying unmet customer needs, validating new product opportunities, launching lean and valuable MVPs, scaling successful products, and continuing to improve our established BNPL experience.

This is both a product-leadership and people-leadership role. You will manage and mentor a team of one to three Product Managers, setting clear direction while remaining close enough to the work to personally lead Zip’s most ambiguous and strategically important product initiatives.

You will work closely with Product Design, Engineering, Data, Marketing, Credit Risk, Compliance, Legal, Finance, Operations, and external partners. Together, you will build products that customers understand and value, deliver sustainable commercial results, and meet the high standards of trust and responsibility required in consumer financial services.

Interesting problems you’ll get to solve

• Own the product vision, strategy, and multi-year roadmap for Zip’s direct-to-consumer product portfolio, including both the core BNPL experience and new adjacent financial products.


• Identify and validate new product opportunities by combining customer research, behavioral data, market analysis, commercial potential, and Zip’s differentiated capabilities.


• Lead new financial products from zero to one—developing the product thesis, defining target customers and use cases, testing key assumptions, shaping MVP scope, launching to market, and iterating based on evidence.


• Create a coherent multi-product customer experience, defining how customers discover, understand, adopt, and move between Zip products without creating a fragmented collection of features.


• Partner deeply with Product Design and Research to simplify complex financial concepts and build experiences that are clear, accessible, transparent, and grounded in the needs of customers.


• Establish portfolio-level goals and success measures across acquisition, activation, adoption, engagement, retention, cross-sell, customer lifetime value, revenue, and customer satisfaction.


• Develop a clear understanding of each product’s economics and performance, working with Finance, Credit Risk, and Data to evaluate revenue, losses, delinquency, utilization, cost-to-serve, and other relevant portfolio measures.


• Balance team capacity and product investment across products at different lifecycle stages—including early discovery, initial launch, responsible scaling, and mature-product optimization.


• Partner with Marketing, Growth, CRM, and Partnerships to shape product positioning, go-to-market plans, onboarding, lifecycle engagement, cross-sell, and customer education.


• Work with Credit Risk, Compliance, Legal, Finance, Treasury, and Operations from the beginning of product development to ensure regulatory, credit, operational, funding, and customer considerations are incorporated into product decisions.


• Make thoughtful tradeoffs between speed and scalability, partnering with Engineering to determine when Zip should build reusable platform capabilities and when a targeted solution is the right way to learn.


• Develop appropriate uses of AI across the customer experience, including opportunities to improve personalization, product discovery, financial understanding, customer support, and internal team productivity.


• Manage, mentor, and develop a team of Product Managers, setting clear expectations and helping each person strengthen their strategic thinking, customer empathy, analytical judgment, and execution.


• Remain a hands-on player-coach, directly leading critical discovery, strategy, or delivery work when an initiative requires senior product judgment.


• Raise the standard of product management across the group by improving goal-setting, roadmap quality, decision-making, experimentation, product reviews, written communication, and cross-functional operating practices.


• Communicate product strategy, progress, performance, risks, and tradeoffs clearly to working teams and senior leadership.

What you’ll bring to the team

• 10+ years of product-management experience, including meaningful experience building consumer-facing digital products.


• At least three years of experience directly managing, mentoring, and developing Product Managers, with evidence that people and teams performed better under your leadership.


• Must have experience leading direct-to-consumer financial products within consumer lending, credit, BNPL, banking, payments, earned-wage access, or another regulated financial-services category.


• A demonstrated record of launching new financial products from zero to one and successfully taking promising products beyond launch into adoption and responsible scale.


• Experience leading a portfolio containing products at different lifecycle stages, including early-stage product development, growth, and mature-product optimization.


• Strong product judgment and the ability to balance customer value, commercial outcomes, credit performance, regulatory requirements, operational complexity, and long-term customer trust.


• Expertise using quantitative analysis, customer research, usability insights, market intelligence, and competitive analysis to identify unmet needs and shape product


• Experience defining and managing business and customer outcomes such as activation, conversion, adoption, engagement, retention, cross-sell, lifetime value, revenue, and unit economics.


• Familiarity with the economics and risk dynamics of consumer financial products, such as utilization, delinquency, losses, repayment performance, pricing, cost-to-serve, and responsible monetization.


• Experience partnering with Marketing and Growth teams on go-to-market strategy, onboarding, lifecycle engagement, product-led growth, and portfolio cross-sell.


• Curiosity and fluency applying AI and LLM tools to your own productivity, along with the product judgment required to identify valuable, safe, and trustworthy customer-facing AI applications.


• Strong cross-functional communication and influence, with the ability to work credibly with Product Design, Engineering, Data, Marketing, Credit Risk, Compliance, Legal, Operations, Treasury, Finance, senior leadership, and external partners.


• Comfort operating in a fast-moving environment with significant ambiguity, incomplete information, and multiple concurrent priorities.


• A background at a high-growth direct-to-consumer fintech, financial-services organization, bank, or lending platform is strongly preferred.


• Clear alignment with Zip’s core values

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Flexible working culture


• Incentive programs


• Unlimited PTO


• Generous paid parental leave


• Leading family support policies


• Company-sponsored 401k match


• Learning and wellness subscription stipend


• Beautiful Union Square office with a casual dress code


• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $190,000 - $210,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.

*Please note that visa sponsorship is not available for this position.

If hired, employees will be in an ‘at-will position’ and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finallyget to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

I acknowledge by clicking “Submit Application”, that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice_and authorize Zip to process your data subject to those terms._Zip participates in the federal government’s E-Verify program. #LI-Remote