Senior Product Manager (D2C Products)

Zip Co Limited

16h • $140,000 - $160,000 • Remote

About The Position

Zip is hiring a Senior Product Manager to independently manage a key direct-to-consumer (D2C) financial product adjacent to its Buy Now, Pay Later offering. Reporting to and working closely with the Group Product Manager for D2C Products, this hands-on role translates broader product strategy into a focused roadmap, identifies valuable customer problems, validates opportunities through experiments, and leads a cross-functional team through product delivery and iteration.

The role owns the product experience from discovery through launch and ongoing improvement. The Senior Product Manager develops a deep understanding of customer needs and product performance, sets priorities, defines requirements and success measures, makes tradeoffs, and uses evidence from product launches to decide what to improve, scale, rethink, or stop. The position works with Product Design, Engineering, Data, Marketing, Growth, CRM, Credit Risk, Compliance, Legal, Finance, Treasury, Operations, and other partners to deliver understandable, trustworthy financial products and sustainable business outcomes.

The position is part of a remote-first US team, with the option to work in person from Zip’s Manhattan office. Zip describes its working culture as flexible and offers a range of compensation and benefits. Visa sponsorship is not available.

Requirements

• At least 5 years of product-management experience, including meaningful experience owning and improving a consumer-facing digital product.
• Experience independently managing a product or significant product area from discovery through delivery and iteration.
• Strong customer orientation and experience using quantitative data and qualitative research to identify unmet needs, understand behavior, and inform product decisions.
• Experience developing hypotheses, designing experiments, launching lean MVPs, analyzing results, and using evidence to determine next steps.
• Experience developing and managing a product roadmap that balances near-term delivery with customer and business priorities over an approximately six-month horizon.
• Strong execution skills and comfort working closely with Engineering and Product Design on day-to-day product delivery.
• Experience defining and managing customer and business outcomes such as activation, conversion, adoption, engagement, retention, utilization, revenue, or customer satisfaction.
• Strong product judgment and ability to balance customer value, business outcomes, implementation complexity, risk, and speed.
• Strong cross-functional communication and collaboration skills.
• Comfort working in a fast-moving environment with ambiguity, incomplete information, changing priorities, and a bias toward learning through action.
• Curiosity and fluency in applying AI and LLM tools to personal productivity, and interest in identifying valuable and trustworthy customer-facing applications.
• Alignment with Zip’s values: Customer First, Own It, Stronger Together, and Change the Game.

Nice To Haves

• Product-management experience at a fintech or financial-services organization is strongly preferred.

Responsibilities

• Own the roadmap for a D2C financial product, generally planning approximately six months ahead while adapting to customer insights, data, and business priorities.
• Research and understand customers and their financial needs using quantitative analysis, customer research, usability testing, market insights, and observation of product behavior.
• Translate D2C strategy into product priorities, hypotheses, experiments, and deliverables for the cross-functional team.
• Identify and validate product opportunities by considering customer needs, behavioral data, business potential, and Zip’s capabilities.
• Lead products and features from discovery through launch and iteration, including problem definition, assumption testing, MVP scope, requirements, delivery coordination, and results measurement.
• Build and maintain an experimentation roadmap, using lean tests and MVPs to answer important questions before significant investment.
• Define customer and business success measures, including relevant acquisition, activation, conversion, adoption, engagement, retention, utilization, repayment, revenue, and customer-satisfaction metrics.
• Understand product economics and performance with Data, Finance, and Credit Risk, including revenue, losses, delinquency, utilization, and cost-to-serve.
• Partner with Product Design and Research to make complex financial concepts simple, intuitive, transparent, and trustworthy for customers.
• Work with Engineering on discovery and delivery, balancing customer value, speed, technical complexity, scalability, and learning.
• Partner with Marketing, Growth, CRM, and other teams on positioning, go-to-market, onboarding, customer education, and lifecycle engagement.
• Coordinate with Credit Risk, Compliance, Legal, Finance, Treasury, and Operations to account for regulatory, credit, operational, funding, and customer considerations.
• Use product performance and customer feedback to recommend and implement what to improve, scale, rethink, or stop.
• Collaborate with the Group Product Manager and other Product Managers to create a cohesive multi-product Zip experience.
• Explore appropriate AI applications in customer experiences and work practices, including customer understanding, personalization, support, discovery, and team productivity.
• Communicate priorities, progress, results, risks, and tradeoffs clearly to the team and stakeholders.
• Contribute to D2C product-management practices, including roadmaps, experimentation, decision-making, product reviews, documentation, and written communication.

Benefits

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Industry-leading employer-sponsored insurance for employees and dependents, with several choices fully covered by Zip
• Bonus and/or commission awards may be included in the total compensation package

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed