Senior Technical Product Manager - Underwriting Platform

Zip Co; United States; Hybrid; USD 133,000 - 165,000; Full time

Benefits offered by this job

Flexible working culture

Unlimited PTO

Generous parental leave

401k match

Learning and wellness stipend

Union Square office option

Comprehensive medical insurance

Job summary

Zip Co is seeking a collaborative, data-driven Senior Technical Product Manager – Underwriting Platform to lead the technology powering our customer onboarding and underwriting capabilities. You will drive platform roadmaps to maximize loan approvals while aligning risk strategies with business goals.

The role focuses on scaling onboarding, decisioning, and integrating advanced identity and credit data services, with a remote-first approach for US-based employees and an in-person option in

Qualifications

• 6+ years in product management for fintech or lending platforms
• Experience owning onboarding or growth-focused initiatives with measurable impact
• Strong technical fluency for collaborating with engineering on APIs and architecture
• Data-driven with experimentation and business metrics to prioritize

Responsibilities

• Define and execute platform strategies for sign-up, approvals, and activation while balancing risk
• Partner with Engineering, Credit, Fraud to build scalable onboarding and lending capabilities
• Evaluate AI-enabled product capabilities to improve onboarding and efficiency
• Deliver low-code platform features to adapt to changing risk and regulatory landscapes

Skills

Loan origination onboarding

Data analytics

AI tools & techniques

Cross-functional collaboration

Platform onboarding & risk

Tools

APIs

Platform architecture

Data analytics tools

Job description

• Track record of leading loan origination and new customer onboarding, optimizing approval rates while mitigating fraud and credit risk
• Strong analytical and data fluency with experience using business metrics to drive product strategy and prioritization
• Experience with different AI tools and techniques to accelerate personal and/or squad productivity
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

• Track record of leading loan origination and new customer onboarding, optimizing approval rates while mitigating fraud and credit risk
• Strong analytical and data fluency with experience using business metrics to drive product strategy and prioritization
• Experience with different AI tools and techniques to accelerate personal and/or squad productivity
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

We are seeking a collaborative, data-driven Senior Technical Product Manager – Underwriting Platform to manage lead and scale the technology powering our customer onboarding and underwriting platform. In this role, you will drive platform capabilities to maximize loan approval rates, effectively aligning technical solutions with risk strategies and business goals.

The ideal candidate will manage the roadmap responsible for driving new customer acquisition and activation, optimizing decisioning, and integrating advanced identity and credit data services.

The Product organization at Zip focuses on delivering seamless and innovative financial experiences that support millions of customers. Our teams move quickly, operate with high ownership, and solve complex problems collaboratively. We value a self-starter mindset, curiosity, customer obsession, and strong execution.

Interesting problems you’ll solve

• Define and execute platform strategies that drive measurable outcomes across sign-up, loan approvals, and activation while balancing risk.
• Partner closely with Engineering, Credit, and Fraud teams to build scalable, compliant, and performant onboarding and lending platform capabilities.
• Evaluate and implement AI-enabled product capabilities, workflows, and or automation opportunities that improve customer onboarding experiences and operational efficiency
• Collaborate with Engineering and Risk to deliver low-code platform features that accelerate business responsiveness to changing business, risk, and regulatory requirementsenvironmental and compliance landscapes.

What You’ll Bring To The Team

• 6+ years of Product Management experience, including experience supporting fintech, payments, lending, or financial services platforms
• Proven experience owning onboarding, activation, or growth-focused product initiatives with measurable business impact
• Strong technical fluency with the ability to collaborate effectively with Engineering teams on APIs, platform architecture, and technical tradeoffs
• Demonstrated ability to use data, experimentation, and business metrics to inform prioritization and product decisions
• Strong understanding of experimentation methodologies including A/B testing, cohort analysis, and growth optimization frameworks
• Experience working cross-functionally with Risk, Compliance, Operations, Design, Analytics, and Data Science stakeholders
• Familiarity with AI-enabled product capabilities, including the ability to evaluate AI use cases within customer onboarding and growth experiences
• Clear alignment with Zip’s core values: Customer First, Own It, Stronger Together, and Change the Game

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 $133,000 - $165,000. 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 finally…get 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.

Zip participates in the federal government’s E-Verify program