Senior Commercial Product Manager, Motor Finance

• Shape the future of Motor Finance at Zopa, owning the product roadmap and making the commercial calls that balance growth, margin, credit losses and great customer outcomes.

• Help power our next phase of growth, working with Sales and Credit Risk to shape dealer strategy, rate cards and lending decisions that strengthen our competitive position.

• Get closer to our partners, spending time with dealers, brokers and intermediaries to uncover what matters most and build products and experiences they want to use.

• Turn data into action, digging into performance, testing ideas and uncovering opportunities to grow the business and solve meaningful problems.

• Win support for bold ideas, building compelling commercial cases that make the opportunity, economics and trade-offs clear to senior stakeholders.

• Take ideas through to launch, partnering with Technology to define problems, set priorities and deliver changes with measurable impact.

• Transform how Motor Finance works, rethinking operational journeys to remove manual effort, reduce costs and make life easier for customers, partners and colleagues.

• Spot our next competitive advantage, turning shifts in customer behaviour, technology, regulation and the market into opportunities for Zopa.

• Make ambitious things happen, bringing teams together around a clear direction and building the momentum to turn strategy into results.

• You've made a measurable commercial impact, owning meaningful outcomes in a product, lending or regulated environment and understanding the levers that drive performance.

• You combine commercial ambition with sound judgement, making decisions that balance growth, profitability, cost, risk and customer outcomes.

• You're curious enough to dig deeper, getting hands-on with data, doing your own analysis and turning evidence into clear decisions.

• You know how to make change happen, taking ideas through to delivery alongside cross-functional engineering teams and seeing them through to impact.

• You can make the tough calls, focusing time and investment on the opportunities that matter most when there's more to do than capacity allows.

• You bring clarity to ambiguity, uncovering the real problem, shaping a way forward and building momentum without waiting for a perfect brief.

• You bring people with you, influencing senior stakeholders, working through competing priorities and getting into the detail to move things forward.

• You make complex ideas compelling, communicating simply and writing business cases that help senior leaders make confident investment decisions.

• You get out and listen, spending time with customers, partners or users and using what you learn to challenge assumptions and shape better products.

• You build with good judgement, understanding the demands of a regulated environment and involving Risk, Compliance and Legal early enough to shape strong solutions.

• You've built products that connect businesses and customers, whether through B2B, B2B2C, marketplaces or partner-led models.

• You've helped a business scale, growing a product or commercial proposition and navigating the challenges that come with greater volume and complexity.

• You can explore the data yourself, using SQL or another language to investigate questions and uncover opportunities independently.

• You know the motor finance landscape, with experience across dealer or broker distribution, vehicle valuations, HP or PCP.

• You've shaped the mechanics behind commercial performance, influencing risk-based pricing, rate cards, commissions or similar levers.

• You've made partnerships work, collaborating with third-party providers or strategic partners to deliver better outcomes.

• You enjoy helping others grow, with experience coaching, developing or managing a more junior Product Manager.

• You're familiar with tools that support delivery and insight, including Jira, Confluence and self-serve BI platforms.