Associate Director of Commercial - Credit Cards

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. 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.

With Zopa's ambitious growth plans, we’re looking for a commercially focused Product Leader to join our Credit Card tribe. Owning the product P&L and the long-term growth agenda, this role will delicately balance the need to manage near-term financial outcomes with the need to invest for future growth through a series of larger product-based bets. We’re currently the largest open market loan provider and aim to similarly scale our Credit Card by creating differential and innovative propositions to meet the needs of more customers. This is an opportunity to supercharge your career within a fast-scaling FinTech. If this challenge excites you, we’d love to hear from you!

A day in the life:

• This is a high ownership role with significant impact. You will own the commercial management of the product and collaborate closely with the credit and product analytics team to drive sustainable and profitable growth.
• Collaboration is at the heart of everything we do at Zopa. You will need to work closely with product managers, analysts, and our partnerships team to get to the right answer, while drawing on our best-in-class analytics, customer insights, and industry context to make sure the strategic product roadmap is always the best that it can be.
• You will also be accountable for the day-to-day operational effectiveness and resilience of our Credit Card, owning the relationships with our suppliers Visa, Marqeta and TAG to ensure the needs of our customers are continually met.
• Despite having a great team around you, you will need to be happy and able to get your hands dirty. This may involve building simple financial forecasts, validating commercial viability, facilitating/taking part in ideation sessions, collaborating with the wider business in improving the conduct or operational risk of the product or supporting the launch of a large new project.
• You will be influential in setting the long-term direction with the Credit Card product team and cross-functional tribe to deliver the change you need to grow our products. You will need to be able to inspire these teams to deliver at their very best. This will require diverse leadership skills that can empathise with a variety of viewpoints and draw the best out of the individuals.

About you:

• You have strong experience managing the P&L (profit and loss) of a product, area or feature, carefully balancing both long and short-term outcomes.
• Your analytical skills are highly developed, enabling you to balance commercial considerations with risk management effectively.
• Your passion for data is evident – you understand that informed decisions stem from insights, whether from our data warehouse, research, or other sources. You excel at synthesising this information to create compelling commercial business cases.
• You’ve previously been accountable for managing key partners and/or suppliers and enjoy building long-term strategic partnerships that drive value for all parties.
• As an experienced leader, you are enthusiastic about the journey we’re on. You aim to make a significant impact, showcasing the products you’ve built and their successes. Even if you haven’t developed a product from scratch, you can highlight the metrics you’ve significantly improved for previous products.
• You’re eager to collaborate as part of a cross-functional team to achieve your shared goal. You consider product managers, engineers, designers, analysts, and other key stakeholders as your essential teammates.
• Delivering high-quality work at pace is second nature to you. You thrive in fast-paced environments and your ability to manage a diverse range of stakeholders is exceptional, fostering collaboration and alignment across the board.

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.

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.