Product Manager, Zopa
Activities and Transaction Monitoring
Salary not provided
Mid and Senior level
London
2-3 days a week in office (Canary Wharf, London)
Financial solutions for borrowers and savers
Posted today
Financial solutions for borrowers and savers
501-1000 employees
FintechB2CLendingFinancial Services
Posted today
Salary not provided
Mid and Senior level
London
2-3 days a week in office (Canary Wharf, London)
501-1000 employees
FintechB2CLendingFinancial Services
Company mission
To create simple, fair and honest financial products that have the customer's needs at heart.
Role
Who you are
- If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa
- We’re looking for someone who brings a balance of technical depth, product ownership, and collaborative drive.
- Proven product management experience (ideally in fintech), particularly with backend services and complex technical systems.
- Strong attention to detail with the ability to navigate complex, regulated domains.
- A track record of successful cross-functional collaboration, extracting insights from diverse perspectives.
- Data-driven decision making: ability to synthesize multiple data sources, customer feedback, and business insights.
- Bias toward action: you prefer test-and-learn approaches over waiting for perfection.
- Experience breaking down large initiatives into deliverable increments that deliver value progressively.
- Ability to influence without authority, building buy-in and adoption across the organisation
Desirable
- Experience in financial services, fraud detection, or payments.
- Familiarity with A/B testing and experimentation frameworks
What the job involves
- With the successful launch of our new Current Account and ambitions to grow existing products (Credit Card, Savings, and Loans), the number of Zopa customers and transactions is scaling rapidly. A big focus area to support this growth is strengthening our ability to detect, prevent, and protect consumers from fraud
- That’s where Zopa’s Activities and Transaction Monitoring team comes in. This complex space demands both a deep understanding of fraud problems and the creativity to innovate in line with industry trends and regulations. Our north star is: stop bad actors in their tracks while ensuring a smooth operations process and provide low-friction experience for our customers
- If you’re motivated and interested in playing a key role in shaping the future of Zopa’s Fraud & Fincrime capabilities and building a strong team, products and platforms for long term success, this one's for you!
- Own the solution end-to-end — partner with fraud and fincrime experts to design effective detection, build robust systems with engineering, and define downstream operational processes.
- Drive innovation with delivery focus — problem solve with engineers to design solutions that mitigate fraud threats efficiently, reduce customer friction, and deliver fast learning through iterative releases.
- Shape the roadmap — translate strategy into a clear, prioritized roadmap that balances fraud loss, operational cost, and customer experience.
- Lead cross-functional alignment — build trusted relationships with Fraud Strategy, Operations, Payments, Fraud Experience, Risk, and more to deliver outcomes at scale.
- Support all Zopa products — ensure our monitoring and screening solutions protect customers across Current Account, Credit Card, Savings, and Loans.
- Act with an owner’s mindset — make trade-off decisions across risk, customer impact, and commercial outcomes to move the right metrics forward
Salary benchmarks
Our take
Zopa has been a pioneering force in the world of finance since 2005, lending out billions in personal loans since its inception, before the launch of its bank in 2020. Its depth of lending experience makes it a digital bank with a difference - offering all the benefits customers have come to expect from a challenger bank, but backed up by 16 years of know how.
Zopa has carved out a strong position for itself in UK fintech, offering more than just loans with products like savings accounts and credit cards. And its clear focus on lending and saving has paid off, with recent investment fueling both product growth and its entry into business lending. The bank also made its first acquisition, snapping up 'buy now, pay later' platform DivideBuy, as part of its expansion strategy.
On top of that, Zopa is now boasting two consecutive years of profit doubling, a rare feat in digital banking. Backed by fresh funding, it's now pushing into new territory with plans to launch a current account and integrate generative AI into customer services.
Freddie
Company Specialist at Welcome to the Jungle
Meet the team
10 people
Jamal Ud-Din, Product Manager
Our mission
Building the world's best credit card!Insights
Top investors
Company
Employee endorsements
Intelligent people
"My colleagues here at Zopa have a wealth of knowledge which they share constantly and are always willing to assist or give a second opinion on..."
Funding (last 2 of 14 rounds)
Dec 2024
$96.4m
LATE VC
Feb 2023
$101.3m
LATE VC
Total funding: $982m
Company benefits
- 2-3 days a week in the office. We value face-to-face collaboration and a good work-life balance.
- 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)
- On top of regular bank holidays, you’ll get 25 days holiday as standard, rising up to 30 days as your tenure grows. For any teams that operate on a bank holiday, you may be offered an alternative day off.
- As a Zopian, you can opt into our private medical insurance through Vitality Health. This’ll give you access to private medical care, discounted gym memberships, and other rewards such as savings at various retailers for maintaining an active lifestyle. You also get free Headspace access to help with the all-important mindfulness we need
- 16-weeks full pay for all new parents. We offer enhanced maternity and paternity pay to employees wishing to start a family. New parents, including those adopting, are eligible to take up to 16-weeks leave at full pay.
Company values
- Customer Champion: Whatever the role, the customer is front and centre of our thinking. We care passionately about doing the best for them.
- Fearless Choices: Our environment is fast-paced, agile and open. You'll solve interesting and challenging problems and be trusted and empowered to bring your ideas to life.
- In It Together: You'll join an ambitious, diverse and all round approachable team with a mix of ideas and talents who inspire each other to be better every day.
- Walk The Talk: You'll be honest, stick to your promises and face the tough moments head on.
- Win smarter: You'll be always on the lookout for a better way of doing things, going beyond "good enough" and welcoming different points of view.
Company HQ
London, UK
Articles
Leadership
Jaidev
(CEO)Promoted from within Zopa, previously COO. 12 years of experience at Capital One, including Chief Marketing Officer for UK.
Diversity, Equity & Inclusion at Zopa
- We're always looking for passionate and talented people who can help us be the best place for money. We welcome everyone, regardless of age, disability, gender, sexual orientation, parental status, race or religion.
- We run a successful mentoring program, with 28 mentors across the business. We believe this launching pad helps our internal talent stretch beyond their comfort zone, explore new avenues and grow into future leaders.
- We’re focused on ensuring a fair approach to attracting talent, from how we advertise roles to our application and interview process. For all our hiring requirements we mandate 50/50 shortlists and diverse interview panels. We also run all our adverts through a recognised gender de-coder to ensure we attract and hire a diverse range of people. More recently we’ve been experimenting with new job boards and partnerships like Otta Jobs and BYP Network (Black Youth Partnership Network) to increase diversity in our candidate sourcing.
- We’ve secured trail-blazing partnerships with organisations like Code First Girls, YSYS and BYP Network. We’ve already had huge success with our Code First Girls cohort who joined our tech community as Software Engineers and Database Administrators in January.
- We encourage Zopians to create memorable career journeys, and internal mobility plays a huge part in this. All our live job vacancies are posted on our internal jobs board. Over the last 12 months, we’ve trained and supported many Zopians to make internal career moves and become compliance officers, developers, lawyers and HR specialists. In fact, 20% of our open roles in Q3 2021 were filled by internal candidates. This not only makes Zopa a great place to work, but also allows us to break down some of the systemic pipeline issues that we see in STEM professions.
- Our Diversity & Inclusion focus groups and “All in” club celebrate diversity through various company events, such as quiz nights and “Bring your kids to work” day – our favourite is international food night!
- Everyone at Zopa has different working styles, and we want to support them in any way possible. That’s why we’re committed to flexible working whether that’s from home, in the office or a combination of both. What’s more, our model includes the option of working from abroad for up to 120 days a year!
Share this job
View 26 more jobs at Zopa