Product Manager - UPL

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 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. This is far more than keeping a mature product moving. 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 is complex, fast-moving and consequential: the decisions you shape will directly influence customer outcomes and the scale of Zopa’s lending business. 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. If that sounds like the kind of PM work you are drawn to, this role is built for you. 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. Develop propositions that give customers greater clarity and confidence before they invest time in a full application. 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. Translate complex lending and technical problems into decisions that senior stakeholders can align behind. Build, launch and continually improve products that help Zopa move closer to becoming the UK’s leading unsecured lender. About you You are analytically strong and comfortable using data to find non-obvious product insight. You have made product decisions that delivered mea