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Zopa is a UK-based fintech bank founded in 2005 as the first peer-to-peer lending platform, now operating as a full digital bank. The company has been recognized as one of the UK's Most Loved Workplaces and serves a diverse, multinational workforce.
Role Overview
You will own a meaningful portion of Zopa's Unsecured Personal Loans (UPL) growth strategy, focusing on loan origination, decisioning, and the product journeys that determine lending eligibility and customer access. This is not a maintenance role—you will identify and execute on the biggest opportunities to improve conversion, eligibility, and growth, taking initiatives from commercial hypothesis through discovery and delivery to measurable results.
Key Responsibilities
- Own a defined area of the UPL growth roadmap from opportunity sizing through launch, measurement, and iteration
- Turn commercial and customer signals into clear product strategy, deciding where to focus and what to deprioritize
- Shape the origination and decisioning experience, including the rules, journeys, and data behind loan offers
- Lead cross-functional discovery with Engineering, Credit Risk, and Data Science to identify the most valuable and feasible growth routes
- Develop propositions that give customers greater clarity and confidence before committing to a full application
- Make scope and sequencing decisions, 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 become the UK's leading unsecured lender
Work Style
The role 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. 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—your decisions directly influence customer outcomes and the scale of Zopa's lending business.
Requirements
- Analytically strong with comfort using data to find non-obvious product insights
- Demonstrated track record of making product decisions that delivered measurable commercial outcomes
- Ability to partner closely with engineers through scope and timeline trade-offs
- Sound judgment in approaching ambiguous problems with a bias for practical progress
- Clear communication with senior stakeholders across technical and risk-focused teams
- Motivation by growth, efficiency, and business impact
Bonus Qualifications
- Experience in lending, consumer credit, or related financial products
- Familiarity with originations, underwriting, pricing, or servicing
- Quantitative foundation through study or equivalent experience
- Experience in a fast-paced, data-led fintech environment
