Product Manager - Unsecured personal loans

Overview

In this role you drive growth for Zopa’s Unsecured Personal Loans by shaping the decisioning and data-driven product journeys that determine who we lend to and how offers are delivered. You work closely with engineering, risk, and data science to identify opportunities, validate hypotheses with data, and iteratively improve activation and conversion. Your work has a direct impact on customer outcomes and the scale of Zopa’s lending. This role blends analytic rigor with practical product leadership in a fast-paced fintech environment.

Pay / Benefits

• Hybrid role
• London office 2-3 days a week
• Option to work abroad up to 120 days per year
• Work-life balance
• Flexible working culture

Responsibilities

• Own a defined area of the UPL growth roadmap from opportunity sizing through to launch, measurement and iteration
• Translate commercial and customer signals into a clear product strategy and focus areas
• Shape origination and decisioning experience, including rules, journeys and data behind loan offers
• Lead cross-functional discovery with Engineering, Credit Risk and Data Science to find the most valuable, feasible route to growth
• Develop propositions that give customers clarity and confidence before a full application
• Decide on scope and sequencing balancing customer value, risk, commercial return and engineering effort
• Use data to uncover friction, validate hypotheses and quantify impact of work
• Introduce growth ideas into the roadmap, including new data sources and partner opportunities
• Translate complex lending and technical problems into decisions that senior stakeholders can align behind
• Build, launch and continually improve products to move toward becoming the UK’s leading unsecured lender

Key requirements

• Analytically strong and data-driven in deriving product insight
• Experience making product decisions that delivered measurable commercial outcomes
• Ability to partner with engineers on scope and timeline trade-offs
• Comfort solving ambiguous problems with practical progress
• Clear communication with senior stakeholders across technical and risk teams
• Motivation for growth, efficiency and business impact
• Added bonus: lending/consumer credit experience; familiarity with originations, underwriting, pricing or servicing; quantitative foundation; fast-paced data-led fintech background

• Analytical mindset
• Strong communication
• Cross-functional collaboration
• Data analysis and interpretation
• Decisioning and rules logic for origination
• Cross-functional stakeholder alignment in fintech environments

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