Product Manager - Flexible Working in London

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. Follow us on Instagram @zopalifeThe team Unsecured Personal Loans is one of Zopa’s largest and most established products, sitting at the heart of the bank’s growth ambitions. As a Product Manager in UPL Growth, you will own a meaningful part of how we originate loans: the decisioning, data and product journeys that determine who we can lend to, how confidently we can make an offer, and how simply customers can access one. You will have the space to identify the biggest opportunities to improve conversion, eligibility and growth, then take them from a commercial hypothesis through discovery and delivery into measurable results. That might mean rethinking how we use third-party data, improving a partner journey, or changing the rules and logic behind our lending decisions. You will work in a small, ambitious product team alongside three flexible backend engineering teams, with close partnership from Credit Risk, Data Science and First Line Risk. The work sits closer to commercial and analytical reasoning than to customer discovery — you will spend as much time interrogating data, sizing opportunities and shaping decisioning logic as you will running user research. A day in the life Own a defined area of the UPL growth roadmap, from opportunity sizing through to launch, measurement and iteration. Turn commercial and customer signals into a clear product strategy, choosing where to focus and what not to pursue. Shape the origination and decisioning experience, including the rules, journeys and data that sit behind a customer receiving a loan offer. Lead cross-functional discovery with Engineering, Credit Risk and Data Science to find the most valuable, feasible route to growth. Make the call on scope and sequencing, balancing customer value, risk, commercial return and engineering effort. Use data to uncover friction, validate hypotheses and quantify the impact of your work. Bring new growth ideas into the roadmap, from smarter use of existing data to new external data sources and partner opportunities. Build, launch and continually improve products that help Zopa move closer to becoming the UK’s leading unsecured lender. About youYou are analytically strong and comfortable using data to find non-obvious product insight. You have made product decisions that delivered measurable commercial outcomes. You communicate clearly with senior stakeholders across technical and risk-focused teams. Added bonus Experience in lending, consumer credit or related financial products. A quantitative foundation through study or equivalent experience. Experience in a fast-paced, data-led fintech environment. 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.Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. 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. Your Talent Partner will let you know what's expected at each stage.