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Zopa

Posted 4 days ago

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Senior Product Manager - Cards

LondonHybrid

AI Summary

Owns the Credit Cards Originations product, driving profitable new-account growth and customer experience from first interaction through onboarding, partnering with Credit, Fraud, and engineering teams.

About this role

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 onboardingbringing 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.

  • artner with Credit and Fraud to build and evolve the capabilities behind eligibility, affordability, decisioning, pricing and fraud prevention. Credit owns 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, conversion, unit economics, customer outcomes and risk considerations.

  • You are comfortable being accountable for clear goals and KPIs, and changing course when the evidence shows the current plan is not working.

  • You build strong product-engineering partnerships and lead work end to end, from problem definition and discovery through launch, measurement and iteration.

  • You use data to form hypotheses, make decisions and explain what you chose not to do.

  • You influence senior stakeholders and cross-functional partners without relying on hierarchy.

  • You are hands-on, decisive and comfortable getting into the detail when needed.

  • You continually improve how a team works and are open to using AI and automation thoughtfully.

Added bonus

  • Experience in consumer fintech or a fast-moving, customer-facing scale-up.

  • Comfortable working directly with data using SQL, scripting languages and BI / analytical tools where needed.

  • Experience developing or coaching product managers or analysts.

  • Experience of third-party data, open banking or strategic partner propositions.

Skills

A/b TestingAI And AutomationBI ToolsKPI MeasurementOpen BankingProduct RoadmappingSQLThird-party Data Integration

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