Product Manager – UPL

Overview

In this role you will own a defined area of Zopa’s Unsecured Personal Loans growth roadmap, turning signals into a clear product strategy and delivering measurable outcomes. You will work closely with Engineering, Credit Risk, and Data Science to shape origination and decisioning experiences that boost growth and clarity for customers. You will explore opportunities to improve conversion, eligibility, and partner journeys, translating data into decisions senior stakeholders can rally behind. This role blends data-driven product management with cross-functional discovery to move Zopa toward becoming the UK’s leading unsecured lender.

Pay / Benefits

• hybrid role with London office 2-3 days per week
• flexible working abroad up to 120 days a year
• focus on work-life balance
• opportunity to shape a leading fintech product
• collaborative culture
• growth and impact-focused environment

Responsibilities

• Own a defined area of the UPL growth roadmap from sizing to launch and iteration
• Translate commercial and customer signals into a focused product strategy
• Shape origination and decisioning experiences, including rules, journeys and data behind loan offers
• Lead cross-functional discovery with Engineering, Credit Risk and Data Science to identify valuable growth paths
• Develop propositions that give customers clarity before full application
• Decide scope and sequencing balancing value, risk, commercial return and engineering effort
• Use data to identify friction, validate hypotheses and measure impact
• Introduce new growth ideas via existing or external data and partner opportunities
• Translate complex lending and technical problems into decisions that senior stakeholders can align behind
• Build, launch and improve products to move toward leading the unsecured lender position

Key requirements

• Analytical with strong data-driven decision making
• Track record of product decisions delivering measurable commercial outcomes
• Ability to partner with engineers on scope and timelines
• Comfort with ambiguous problems and practical progress
• Clear communication with senior stakeholders across technical and risk teams
• Motivation by growth, efficiency and business impact
• experience in lending/consumer credit (added bonus)
• familiarity with originations, underwriting, pricing or servicing (added bonus)
• quantitative foundation through study or equivalent experience (added bonus)
• experience in fast-paced, data-led fintech environment (added bonus)

• Analytical mindset
• Strong collaboration with engineers and cross-functional teams
• Clear and effective communication with senior stakeholders
• Data analysis
• Product discovery and strategy
• Experience with lending/credit data

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