Group Product Manager – Direct-to-consumer

This is a fully remote position, open to applicants in United States.

📋 Description

• Lead the planning and creation of innovative direct-to-consumer financial products related to Zip’s primary Buy Now, Pay Later service.

• Design a comprehensive, customer-focused experience throughout Zip’s product range, enhancing adoption, engagement, retention, and sustainable business results.

• Oversee and nurture a team of one to three Product Managers.

• Take ownership of the product vision, strategy, and long-term roadmap for the direct-to-consumer portfolio, which includes core BNPL and complementary products.

• Discover and confirm product opportunities through customer research, behavioral insights, market evaluation, commercial viability, and organizational strengths.

• Guide financial products from inception to launch by developing theses, defining customer needs and use cases, conducting MVP testing, and iterating post-launch.

• Create a seamless multi-product customer experience while simplifying intricate financial concepts.

• Set portfolio objectives and success metrics across acquisition, activation, adoption, engagement, retention, cross-sell, lifetime value, revenue, and customer satisfaction.

• Assess product economics and performance in collaboration with Finance, Credit Risk, and Data teams.

• Balance resource allocation and investment across products in various stages of their lifecycle.

• Collaborate with Marketing, Growth, CRM, and Partnerships on product positioning, go-to-market strategies, onboarding processes, lifecycle engagement, cross-selling, and customer education.

• Coordinate with Credit Risk, Compliance, Legal, Finance, Treasury, and Operations to integrate regulatory, credit, operational, funding, and customer considerations.

• Work alongside Engineering to enhance platform capabilities and develop targeted solutions.

• Create suitable AI applications to improve customer experience and team efficiency.

• Mentor Product Managers while maintaining an active, hands-on coaching role.

• Enhance product management methodologies, including goal-setting, roadmaps, decision-making, experimentation, reviews, written communication, and cross-departmental collaboration.

• Convey strategy, progress, performance, risks, and trade-offs to teams and senior leadership.

⛳️ Requirements

• A minimum of 10 years in product management, with substantial experience in developing consumer-facing digital products.

• At least three years of direct experience managing, mentoring, and developing Product Managers.

• Experience in leading direct-to-consumer financial products within sectors such as consumer lending, credit, BNPL, banking, payments, earned-wage access, or other regulated financial services.

• Proven track record of launching new financial products from concept to market and expanding product adoption responsibly.

• Experience managing a portfolio of products at various stages of their lifecycle.

• Strong product judgment that balances customer value, commercial success, credit performance, regulatory standards, operational intricacies, and customer trust.

• Proficiency in employing quantitative analysis, customer research, usability insights, market intelligence, and competitive analysis.

• Experience in defining and managing metrics such as activation, conversion, adoption, engagement, retention, cross-sell, lifetime value, revenue, and unit economics.

• Knowledge of consumer financial product economics and risk dynamics, including utilization, delinquency, losses, repayment performance, pricing, cost-to-serve, and responsible monetization.

• Experience collaborating with Marketing and Growth teams on go-to-market strategies, onboarding, lifecycle engagement, product-led growth, and portfolio cross-selling.

• A strong interest and understanding of AI and LLM tools, with the ability to discern valuable, safe, and trustworthy customer-facing AI applications.

• Excellent cross-functional communication skills and the ability to influence teams across Product Design, Engineering, Data, Marketing, Credit Risk, Compliance, Legal, Operations, Treasury, Finance, senior leadership, and external partners.

• Comfort in a fast-paced environment characterized by ambiguity, incomplete information, and multiple concurrent priorities.

• A background in a high-growth direct-to-consumer fintech, financial services organization, bank, or lending platform is highly preferred.

• Strong alignment with Zip’s core values.

• Visa sponsorship is not available for this position.

🏝️ 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.

• Beautiful Union Square office with a casual dress code.

• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered options available.

• Bonus and/or commission awards may be included in total compensation.