About the Job
Lead the strategy and development of new direct-to-consumer financial products adjacent to Zip’s core Buy Now, Pay Later offering.
Shape a coherent, customer-centered experience across Zip’s growing portfolio—driving product adoption, engagement, retention, and sustainable business outcomes.
Manage and develop a team of Product Managers responsible for both the continued success of Zip’s core BNPL product and new zero-to-one product launches.
Key Responsibilities
Own the product vision, strategy, and multi-year roadmap for Zip’s direct-to-consumer product portfolio, including both the core BNPL experience and new adjacent financial products.
Identify and validate new product opportunities by combining customer research, behavioral data, market analysis, commercial potential, and Zip’s differentiated capabilities.
Lead new financial products from zero to one—developing the product thesis, defining target customers and use cases, testing key assumptions, shaping MVP scope, launching to market, and iterating based on evidence.
Create a coherent multi-product customer experience, defining how customers discover, understand, adopt, and move between Zip products without creating a fragmented collection of features.
Partner deeply with Product Design and Research to simplify complex financial concepts and build experiences that are clear, accessible, transparent, and grounded in the needs of customers.
Establish portfolio-level goals and success measures across acquisition, activation, adoption, engagement, retention, cross-sell, customer lifetime value, revenue, and customer satisfaction.
Develop a clear understanding of each product’s economics and performance, working with Finance, Credit Risk, and Data to evaluate revenue, losses, delinquency, utilization, cost-to-serve, and other relevant portfolio measures.
Balance team capacity and product investment across products at different lifecycle stages—including early discovery, initial launch, responsible scaling, and mature-product optimization.
Partner with Marketing, Growth, CRM, and Partnerships to shape product positioning, go-to-market plans, onboarding, lifecycle engagement, cross-sell, and customer education.
Work with Credit Risk, Compliance, Legal, Finance, Treasury, and Operations from the beginning of product development to ensure regulatory, credit, operational, funding, and customer considerations are incorporated into product decisions.
Make thoughtful tradeoffs between speed and scalability, partnering with Engineering to determine when Zip should build reusable platform capabilities and when a targeted solution is the right way to learn.
Develop appropriate uses of AI across the customer experience, including opportunities to improve personalization, product discovery, financial understanding, customer support, and internal team productivity.
Manage, mentor, and develop a team of Product Managers, setting clear expectations and helping each person strengthen their strategic thinking, customer empathy, analytical judgment, and execution.
Remain a hands-on player-coach, directly leading critical discovery, strategy, or delivery work when an initiative requires senior product judgment.
Raise the standard of product management across the group by improving goal-setting, roadmap quality, decision-making, experimentation, product reviews, written communication, and cross-functional operating practices.
Communicate product strategy, progress, performance, risks, and tradeoffs clearly to working teams and senior leadership.
Required Skills & Abilities
10+ years of product-management experience, including meaningful experience building consumer-facing digital products.
At least three years of experience directly managing, mentoring, and developing Product Managers, with evidence that people and teams performed better under your leadership.
Must have experience leading direct-to-consumer financial products within consumer lending, credit, BNPL, banking, payments, earned-wage access, or another regulated financial-services category.
A demonstrated record of launching new financial products from zero to one and successfully taking promising products beyond launch into adoption and responsible scale.
Experience leading a portfolio containing products at different lifecycle stages, including early-stage product development, growth, and mature-product optimization.
Strong product judgment and the ability to balance customer value, commercial outcomes, credit performance, regulatory requirements, operational complexity, and long-term customer trust.
Expertise using quantitative analysis, customer research, usability insights, market intelligence, and competitive analysis to identify unmet needs and shape product
Experience defining and managing business and customer outcomes such as activation, conversion, adoption, engagement, retention, cross-sell, lifetime value, revenue, and unit economics.
Familiarity with the economics and risk dynamics of consumer financial products, such as utilization, delinquency, losses, repayment performance, pricing, cost-to-serve, and responsible monetization.
Experience partnering with Marketing and Growth teams on go-to-market strategy, onboarding, lifecycle engagement, product-led growth, and portfolio cross-sell.
Curiosity and fluency applying AI and LLM tools to your own productivity, along with the product judgment required to identify valuable, safe, and trustworthy customer-facing AI applications.
Strong cross-functional communication and influence, with the ability to work credibly with Product Design, Engineering, Data, Marketing, Credit Risk, Compliance, Legal, Operations, Treasury, Finance, senior leadership, and external partners.
Comfort operating in a fast-moving environment with significant ambiguity, incomplete information, and multiple concurrent priorities.
A background at a high-growth direct-to-consumer fintech, financial-services organization, bank, or lending platform is strongly preferred.
Clear alignment with Zip’s core values
Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.
We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.
We think these are just some of the best things about being a Zipster. We will also offer you:
Flexible working culture
Incentive programs
Unlimited PTO
Generous paid parental leave
Leading family support policies
Company-sponsored 401k match
Learning and wellness subscription stipend
Beautiful Union Square office with a casual dress code
Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available
Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.
The annual base Pay Range for this position is $190,000 - $210,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.
Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.
If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.
