Senior Product Manager (D2C Products)

Develop and execute a 6-12 month product roadmap, translating customer needs and business priorities into experiments and product improvements that drive measurable outcomes. Lead the day-to-day product development process, partnering closely with Engineering, Product Design, Data, Risk, Compliance, Marketing, and other cross-functional teams to move from discovery through launch and iteration. Join a remote-first US team, with the option to work in person from Zip’s Manhattan office.

Start your adventure with Zip

Zip is looking for a Senior Product Manager to help build the next chapter of our direct-to-consumer product experience.

You will independently manage a key product within Zip’s growing portfolio of financial products adjacent to our core Buy Now, Pay Later offering. Working closely with the Group Product Manager for D2C Products, you will translate broader product strategy into a focused roadmap, identify the highest-value customer problems to solve, run experiments to validate opportunities, and lead your cross-functional team through day-to-day product delivery.

This is a hands-on product role. You will be accountable for understanding your customers, setting priorities, defining product requirements and success measures, making thoughtful tradeoffs, and ensuring that the team continuously learns from what we ship.

You will work closely with Product Design, Engineering, Data, Marketing, Credit Risk, Compliance, Legal, Finance, Operations, and other partners. Together, you will build financial products that customers understand and value, deliver sustainable business outcomes, and meet the high standards of trust and responsibility required in consumer financial services.

Interesting problems you’ll get to solve

• Own the product roadmap for a D2C financial product, typically looking approximately six months ahead while remaining flexible as customer insights, data, and business priorities evolve.
• Develop a deep understanding of your customers and their financial needs through quantitative analysis, customer research, usability testing, market insights, and direct observation of product behavior.
• Translate broader D2C product strategy into clear product priorities, hypotheses, experiments, and deliverables for your cross-functional team.
• Identify and validate new product opportunities and improvements by combining customer needs, behavioral data, business potential, and Zip’s capabilities.
• Lead assigned products and features from discovery through launch and iteration—including defining the problem, testing assumptions, shaping MVP scope, writing clear requirements, coordinating delivery, and measuring results.
• Build and maintain a strong experimentation roadmap, using lean tests and MVPs to answer important questions quickly before committing significant engineering or operational investment.
• Define clear customer and business success measures for your product, including metrics such as acquisition, activation, conversion, adoption, engagement, retention, utilization, repayment performance, revenue, and customer satisfaction where relevant.
• Develop a strong understanding of your product’s economics and performance, partnering with Data, Finance, and Credit Risk to understand measures such as revenue, losses, delinquency, utilization, cost-to-serve, and other relevant financial outcomes.
• Partner deeply with Product Design and Research to turn complex financial concepts into customer experiences that are simple, intuitive, transparent, and trustworthy.
• Work closely with Engineering throughout discovery and delivery, making thoughtful tradeoffs across 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 for your product.
• Work with Credit Risk, Compliance, Legal, Finance, Treasury, and Operations to ensure regulatory, credit, operational, funding, and customer considerations are incorporated into product decisions.
• Use product performance and customer feedback after launch to recommend and execute what to improve, scale, rethink, or stop.
• Contribute to a cohesive multi-product Zip experience by partnering with the Group Product Manager and other Product Managers on how customers discover, understand, and move between Zip products.
• Explore appropriate uses of AI across the customer experience and your own ways of working, including opportunities to improve customer understanding, personalization, support, discovery, and team productivity.
• Communicate priorities, progress, results, risks, and tradeoffs clearly to your cross-functional team and relevant stakeholders.
• Contribute to strong product-management practices across the D2C team, including high-quality roadmaps, experimentation, decision-making, product reviews, documentation, and written communication.

What you’ll bring to the team

• 5+ years of product-management experience, with meaningful experience owning and improving a consumer-facing digital product.
• Product management experience at a fintech of financial services organization is strongly preferred
• Demonstrated experience independently managing a product or significant product area from discovery through delivery and iteration.
• Strong customer orientation, with experience using quantitative data and qualitative research to identify unmet needs, understand customer behavior, and make product decisions.
• A strong experimentation mindset, including experience developing hypotheses, designing tests, launching lean MVPs, analyzing results, and using evidence to determine what to do next.
• Experience developing and managing a product roadmap, balancing near-term delivery with customer and business priorities over a roughly six-month planning horizon.
• Strong execution skills and comfort working closely with Engineering and Product Design on the day-to-day details required to turn product ideas into high-quality customer experiences.
• Experience defining and managing customer and business outcomes such as activation, conversion, adoption, engagement, retention, utilization, revenue, or customer satisfaction.
• Strong product judgment and the ability to make thoughtful tradeoffs among customer value, business outcomes, implementation complexity, risk, and speed.
• Strong cross-functional communication and collaboration skills, with the ability to work effectively with Product Design, Engineering, Data, Marketing, Credit Risk, Compliance, Legal, Operations, Finance, and other partners.
• Comfort operating in a fast-moving environment with ambiguity, incomplete information, changing priorities, and a bias toward learning through action.
• Curiosity and fluency applying AI and LLM tools to your own productivity, along with an interest in identifying valuable and trustworthy customer-facing applications.
• Clear alignment with Zip’s core values: Customer First, Own It, Stronger Together, and Change the Game.

What you’ll get in return

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 $140,000 - $160,000. 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.

Please note that visa sponsorship is not available for this position.

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.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

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