# Product Manager - UPL [Zopa](https://gurify.com/jobs?q=Zopa) · London · Posted 3 days ago [Product Manager](https://gurify.com/jobs/product-manager) [Apply on the original posting → (opens in a new tab)](https://jobs.lever.co/zopa/5e422360-db37-45f8-af32-02e757d27020) ## Job description 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. 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. At Zopa we value flexible ways of working. We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week. You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one. *Subject to having the right to work in the country of choice Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. Our approach to AI in interviews At Zopa, AI isn't something we're testing out — it's part of how we work every day. As a proud partner of Jobs 2030, we're committed to building AI fluency across our workforce, and we expect Zopians to use AI as part of how they do their jobs. Because of that, we want to be transparent about how we think about AI use during our hiring process. Behavioural and competency-based interviews: please don't use AI. These conversations are designed to understand you — your experiences, your judgment, and how you've approached real situations. An AI-generated answer can't tell us that. What it can do is get in the way of us finding out whether we're the right fit for each other. Technical interviews: it depends on the role. Some technical stages actively welcome AI use, others don't. Your Talent Partner will let you know what's expected at each stage. Where AI is part of the assessment, we'll be interested not just in the outcome, but in how you used it – the tools you chose, your reasoning, and the decisions you made along the way. **Live in Zopa’s hiring system.** Read from the company's own applicant tracking system, not reposted from a job board — so it's a real, open requisition rather than an ad that outlived the role. 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We\u2019re Zopa.\u003Cbr /\u003E\u0026#160;\u003Cbr /\u003EWe 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\u2019t like about finance and does the opposite. We\u2019re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre \u2014 we\u2019ve 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!\u0026#160;\u003Cbr /\u003E\u0026#160;\u003Cbr /\u003EWe\u2019re incredibly proud of our achievements and none of it would be possible without the amazing team here. It\u2019s not just industry awards we\u2019re winning, we\u2019ve also been named in the top three UK\u2019s Most Loved Workplaces.\u0026#160;\u003Cbr /\u003E\u0026#160;\u003Cbr /\u003EIf you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you\u2019ll thrive here at Zopa, so join us, and make it count.\u0026#160;Want to see us in action? Follow us on Instagram @zopalife\u003C/p\u003E\u003Cp\u003EThe team\u0026#160;\u003Cbr /\u003EUnsecured Personal Loans is one of Zopa\u2019s largest and most established products, sitting at the heart of the bank\u2019s 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.\u0026#160;\u003Cbr /\u003EThis 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.\u0026#160;\u003Cbr /\u003EYou 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\u2019s lending business.\u003Cbr /\u003EThe work sits closer to commercial and analytical reasoning than to customer discovery \u2014 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.\u003C/p\u003E\u003Cp\u003EThe team\u0026#160;\u003Cbr /\u003EUnsecured Personal Loans is one of Zopa\u2019s largest and most established products, sitting at the heart of the bank\u2019s 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.\u0026#160;\u003Cbr /\u003EThis 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.\u0026#160;\u003Cbr /\u003EYou 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\u2019s lending business.\u003Cbr /\u003EThe work sits closer to commercial and analytical reasoning than to customer discovery \u2014 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.\u003C/p\u003E\u003Cp\u003EAt Zopa we value flexible ways of working.\u003Cbr /\u003EWe value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.\u003Cbr /\u003EYou\u0026#39;ll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we\u2019ll make sure you\u2019ve got everything you need to thrive, both in your work and home life, from day one.\u003Cbr /\u003E*Subject to having the right to work in the country of choice\u003Cbr /\u003E\u0026#160;\u003Cbr /\u003EDiversity Statement\u003Cbr /\u003EZopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE\u0026amp;I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE\u0026amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments.\u0026#160;\u003Cbr /\u003E\u0026#160;\u003Cbr /\u003EOur approach to AI in interviews\u003Cbr /\u003EAt Zopa, AI isn\u0026#39;t something we\u0026#39;re testing out \u2014 it\u0026#39;s part of how we work every day. As a proud partner of\u0026#160;Jobs 2030,\u0026#160;we\u0026#39;re\u0026#160;committed to building AI fluency across our workforce, and we expect\u0026#160;Zopians\u0026#160;to use AI as part of how they do their jobs.\u0026#160;\u003Cbr /\u003EBecause of that, we want to be transparent about how we think about AI use during our hiring process.\u0026#160;\u003Cbr /\u003EBehavioural and competency-based interviews: please\u0026#160;don\u0026#39;t\u0026#160;use AI.\u0026#160;These conversations are designed to understand\u0026#160;you\u0026#160;\u2014 your experiences, your judgment, and how\u0026#160;you\u0026#39;ve\u0026#160;approached real situations. An AI-generated answer\u0026#160;can\u0026#39;t\u0026#160;tell us that. What it can do is get in the way of us finding out whether\u0026#160;we\u0026#39;re\u0026#160;the right fit for each other.\u0026#160;\u003Cbr /\u003ETechnical interviews: it depends on the role.\u0026#160;Some technical stages actively welcome AI use,\u0026#160;others\u0026#160;don\u0026#39;t. 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