product manager credit cards

Zopa began as a peer-to-peer lending company and launched Zopa Bank in 2020. The bank aims to improve the customer experience of finance and offers banking products.

• Set the direction and roadmap for Credit Cards Originations, covering the customer journey from first interaction through application and onboarding
• Use customer, commercial, and risk signals to identify opportunities for profitable new-account growth
• Partner with Credit and Fraud to build and evolve capabilities for eligibility, affordability, decisioning, pricing, and fraud prevention, translating credit strategy, customer selection, and pricing into scalable product capabilities and customer experiences
• Lead product direction for a squad of engineers and work closely with 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, quality, and effectiveness

• Experience owning measurable commercial and customer outcomes across a complex digital product area
• Ability to turn ambiguous problems into a clear direction, prioritised roadmap, and well-defined success measures
• Sound commercial judgement and ability to balance growth, conversion, unit economics, customer outcomes, and risk
• Ability to be accountable for clear goals and KPIs, and change course when evidence shows the current plan is not working
• Ability to build strong product-engineering partnerships and lead work end to end, from problem definition and discovery through launch, measurement, and iteration
• Ability to use data to form hypotheses, make decisions, and explain what was not pursued
• Ability to influence senior stakeholders and cross-functional partners without relying on hierarchy
• Hands-on, decisive approach and willingness to get into the detail when needed
• Commitment to continually improving how a team works and openness to using AI and automation thoughtfully
• Будет плюсом: experience in consumer fintech or a fast-moving, customer-facing scale-up, comfort working directly with data using SQL, scripting languages and BI/analytical tools, experience developing or coaching product managers or analysts, experience with third-party data, open banking or strategic partner propositions

• The hybrid role requires 2–3 days a week at the London office
• Option to work from abroad for up to 120 days a year, subject to having the right to work in the country of choice
• Zopa offers a workplace free from discrimination and welcomes reasonable-adjustment requests
• Behavioural and competency-based interviews: do not use AI
• Technical interviews: AI use depends on the role and stage; the Talent Partner will explain what is expected