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 stipen