Product Manager - Auto

Automotive sits within Zopa's lending product organisation, working across the full journey from the decisioning and pricing engine through to customer and dealer experiences. It is a high-impact part of the business, with an ambition to more than double originations over the next four to five years. You will work closely with Sales, Credit Risk, Technology and Operations to turn a complex set of commercial and customer challenges into a focused product roadmap. The role has real breadth: improving how we serve dealers and brokers, making decisioning smarter, and removing friction from the processes that matter most. This is a senior individual-contributor role with the space to shape how Automotive grows. You will have strong senior partners and the opportunity to build influence across a business where the best ideas win through evidence, clarity and good judgement.A day in the life

• Own the Automotive product roadmap and make clear trade-offs across growth, margin, loss rates, customer outcomes and partner needs.
• Work with Sales and Credit Risk on dealer strategy, rate cards, decisioning and the commercial choices behind sustainable growth.
• Meet dealers, brokers and intermediaries to understand what gets in their way, then turn insight into product decisions.
• Use data directly to investigate performance, test hypotheses and build simple commercial models.
• Create clear business cases and committee papers that bring senior stakeholders behind a decision.
• Partner with Technology to define, sequence and deliver change
• Improve operational journeys, reducing avoidable cost, friction and complaints.
  
  You have owned commercial outcomes in a product, lending or regulated environment and can explain the levers behind them.
• You are comfortable balancing volume, profit margin, cost, loss rates and customer outcomes when making decisions.
• You can get close to raw data, conduct basic analysis and use evidence to frame a recommendation.
• You have delivered technology change through a cross-functional team.
• You prioritise confidently, including when capacity is shared and competing demands are legitimate.
• You influence without relying on formal authority and are happy to do the work needed to move an idea forward.
• You communicate crisply in writing, including business cases for senior audiences.
• You have a track record of customer or partner discovery and converting insight into action.
• You are comfortable working in a regulated industry and bringing Risk, Compliance or Legal into decisions early.
Added bonus:
• Experience in B2B or B2B2C products.
• Working knowledge of SQL or another programming language used to work with data.
• Experience scaling a product or commercial proposition.
• Motor finance knowledge, including dealer and broker distribution, vehicle valuations, HP or PCP mechanics.
• Experience influencing risk-based pricing, rate cards or commission structures.
• Third-party or vendor management experience.
• Experience developing people or managing a junior colleague.
• Familiarity with Jira, Confluence and self-serve BI tools.
  
  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.