Senior Product Manager, Lifecycle and Retention

• An outcome-focused Product Manager (7+ years) who will help shape the experience for customers after they’ve made a transaction ensuring Zip users understand how the product works and feel supported and motivated to continue using it.

• Work closely with cross-functional partners in Engineering, Design, Data, Risk, and Marketing to deliver experiences that build trust, increase transparency, and boost long-term loyalty,

• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

Join Zip’s Product Management function and play a pivotal role in shaping the future of our direct-to-consumer and mobile app experiences. If you're passionate about creating intuitive, engaging, and high-impact consumer journeys—and thrive in fast-paced, customer-first environments—this role is for you. You’ll sit within the Direct-to-Consumer experience team, reporting to the GPM who owns the end-to-end mobile journey. Your focus will be pre-purchase enrollment and post-purchase repayment behavior.

As the Product Manager for Customer Enrollment & Repayment, you’ll be the key connector between the product experience and our users’ everyday financial habits. You’ll work closely with Design, Engineering, Marketing, Data, and Customer Support to deliver delightful, intelligent, and scalable products that drive retention, loyalty, and long-term customer value.

Interesting problems you’ll get to solve

• Make it easier for customers to understand their repayments, statements, limits, and fees, helping them build healthy financial behaviors.

• Reduce confusion and support inbound volume by creating clear, self-service, in-app education and notifications that build confidence and repeat use.

• Work with Design and Data teams to ensure that repayment journeys are intuitive, nudges are timely, and friction is removed across the mobile app.

• Drive repeat transactions by enabling seamless enrollment and account management flows (e.g., reminders, account status insights, loyalty triggers).

• Partner with Risk and Compliance to build responsible credit experiences that meet Zip’s regulatory standards while supporting customer needs.

• Use experimentation, user feedback, and behavior analysis to optimize the in-app engagement loop from Enrollment → checkout → repayment → repeat.

• Influence Zip’s broader customer lifecycle strategy alongside other product managers across the Consumer Experience pillar.

What you’ll bring to the team

Education & Training:

• Bachelor’s degree in a relevant field (e.g., Business, UX, Computer Science, Psychology).

• Product Management certifications or training programs are a plus.

Experience:

• 7+ years of product management experience, ideally in D2C fintech, mobile apps, or consumer payment platforms.

• Demonstrated success improving post-purchase engagement, repayment, or lifecycle retention in a high-growth environment.

• Deep understanding of mobile app UX patterns, behavioral triggers, and in-app education principles.

• Experience working with cross-functional teams (Design, Data, Engineering, Legal, Risk).

• Comfort using experimentation tools and interpreting data to drive iteration.

• Experience in regulated environments (e.g., credit, lending, payments) is highly desirable.

Skills:

• Strong product sense with attention to detail in flow design and content clarity.

• Ability to break down complex financial processes into simple, user-friendly experiences.

• Proficient in tools like Amplitude, Figma, Jira, or equivalent.

• Great communicator who brings teams along the journey and builds stakeholder trust.

• Bias for action, strong prioritization instincts, and a customer-first mindset.

Mindset:

• Curious and collaborative—energized by exploring how things work and how they can be better.

• Balances short-term fixes with long-term strategic improvements.

• Resilient and resourceful in fast-paced, ever-changing environments.

• Passionate about delivering responsible products that empower and retain customers.

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

• 20 days PTO every year

• 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 $130,000 - $160,000. This range reflects our US national compensation (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 equity awards, in addition to a full range of medical, financial, and/or other benefits.

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-centred products that bring customers and merchants together.

Operating in two core markets - Australia and New Zealand (ANZ) and the Americas, Zip offers 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.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms

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