---
title: 'Senior Technical Product Manager - Underwriting Platform at Zip Co Limited'
canonical: 'https://feeny.ai/job/senior-technical-product-manager-underwriting-platform-zip-co-limited-united-m5sf18czhqef'
type: 'job'
last_seen: '2026-09-13'
---

# Senior Technical Product Manager - Underwriting Platform at Zip Co Limited

- **Company:** Zip Co Limited
- **Location:** United States
- **Posted:** 2026-08-21
- **Last confirmed live:** 2026-09-13
- **Apply:** https://job-boards.greenhouse.io/zipcolimited/jobs/4696258006

## Job description

- Track record of leading loan origination and new customer onboarding, optimizing approval rates while mitigating fraud and credit risk
- Strong analytical and data fluency with experience using business metrics to drive product strategy and prioritization
- Experience with different AI tools and techniques to accelerate personal and/or squad productivity
- Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

We are seeking a collaborative, data-driven Senior Technical Product Manager – Underwriting Platform to manage lead and scale the technology powering our customer onboarding and underwriting platform. In this role, you will drive platform capabilities to maximize loan approval rates, effectively aligning technical solutions with risk strategies and business goals.

The ideal candidate will manage the roadmap responsible for driving new customer acquisition and activation, optimizing decisioning, and integrating advanced identity and credit data services.

The Product organization at Zip focuses on delivering seamless and innovative financial experiences that support millions of customers. Our teams move quickly, operate with high ownership, and solve complex problems collaboratively. We value a self-starter mindset, curiosity, customer obsession, and strong execution.

Interesting problems you’ll solve

- Define and execute platform strategies that drive measurable outcomes across sign-up, loan approvals, and activation while balancing risk.
- Partner closely with Engineering, Credit, and Fraud teams to build scalable, compliant, and performant onboarding and lending platform capabilities.
- Evaluate and implement AI-enabled product capabilities, workflows, and or automation opportunities that improve customer onboarding experiences and operational efficiency
- Collaborate with Engineering and Risk to deliver low-code platform features that accelerate business responsiveness to changing business, risk, and regulatory requirementsenvironmental and compliance landscapes.

## What you’ll bring to the team

- 6+ years of Product Management experience, including experience supporting fintech, payments, lending, or financial services platforms
- Proven experience owning onboarding, activation, or growth-focused product initiatives with measurable business impact
- Strong technical fluency with the ability to collaborate effectively with Engineering teams on APIs, platform architecture, and technical tradeoffs
- Demonstrated ability to use data, experimentation, and business metrics to inform prioritization and product decisions
- Strong understanding of experimentation methodologies including A/B testing, cohort analysis, and growth optimization frameworks
- Experience working cross-functionally with Risk, Compliance, Operations, Design, Analytics, and Data Science stakeholders
- Familiarity with AI-enabled product capabilities, including the ability to evaluate AI use cases within customer onboarding and growth experiences
- 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 $133,000 - $165,000. 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.

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. Zip participates in the federal government’s E-Verify program. #LI-Remote

[Before you apply, give Zip a try   -> rebrand.ly/check-zip-out](https://rebrand.ly/check-zip-out)

https://rebrand.ly/check-zip-out

Zip participates in the federal government’s E-Verify program

## About Zip Co Limited

## Company Overview
- **One-liner**: Zip Co Limited is a digital financial services company that provides point-of-sale credit and digital payment solutions, connecting millions of consumers with tens of thousands of merchants across Australia, New Zealand, and the United States.
- **Entity Type**: Public (ASX: ZIP), listed in 2015
- **Headquarters**: Sydney, Australia
- **Founded**: 2013
- **Founders**: Not publicly listed on the company’s official site (founded in Australia)

## Core Business
- **Primary industry**: Digital financial services / Buy Now, Pay Later (BNPL) / Point-of-sale lending
- **Target customers**: B2B (merchants) and B2C (consumers); serves both enterprise and SMB merchants
- **Mission / purpose**: “Unlock financial potential, together” – providing fair, flexible, and transparent payment options that help customers take control of their financial future and merchants grow their businesses.

## Products & Services
- **Zip Pay / Zip Money (ANZ)**: Consumer credit products allowing installment payments at checkout (SaaS / financial service)
- **Quadpay (US)**: Similar point-of-sale installment payment service for US consumers and merchants
- **Global payment platform**: Connects 6.3 million active customers with 85.5 thousand merchants across two core markets; also offers a product overview presentation and a Stripe US partnership [zip.co](https://zip.co/investors)

## Market Standing
- **Market Cap**: ~$3.6 billion AUD (as of early July 2025) [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life)
- **Key Metric (Public)**: FY25 Total Income of $1,081.1 million; Transaction Volume (TTV) of $13.1 billion; Cash EBTDA of $170.3 million (up 147.0% YoY); Operating Margin of 15.8%; Net bad debts as a percentage of TTV at 3.9% [zip.co](https://zip.co/investors)
- **Notable Investors / Partners**: Listed on ASX; strategic partner includes Stripe (US partnership); no specific lead investors cited for private rounds as it is public
- **Growth Signals**: Strong operating leverage (margin improving to 15.8%), 30.3% TTV growth, focus on AI and agentic commerce; headcount of 763 (down 4.1% YoY, indicating efficiency focus) [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life) [zip.co](https://zip.co/investors)

## Competitive Advantages
- **Global BNPL platform** with a sizable, loyal customer base (6.3M active) and merchant network (85.5K)
- **Brand recognition** in two core markets (ANZ and US) with a localised product suite
- **Technology partnerships** (e.g., Stripe) that extend reach and reduce integration friction
- **Focus on responsible lending** and transparent pricing, differentiating from less regulated competitors

## Strategic Focus
- Deepening AI capabilities: actively hiring for Principal Engineer, Generative & Agentic AI and Group Product Manager, AI (Products) [zip.co](https://zip.co/careers/roles)
- Driving profitability: operating margin turned positive (15.8%) and Cash EBTDA surged 147% in FY25
- Expanding merchant and customer base through partnerships and product innovation (e.g., agentic commerce)
- Efficiency improvements, as reflected in a leaner headcount while revenue grows

## Why Work Here
- **Culture**: Values-led – Customer First, Own It, Stronger Together, Change the Game. Emphasis on connection, mentorship, and career growth.
- **Work model**: ANZ follows a hybrid model (in-office + remote); US team is mostly remote; work-from-anywhere policy (up to 4 weeks/year globally) [zip.co](https://zip.co/careers)
- **Benefits** (vary by location): Up to 16 weeks paid primary caregiver leave, short-term incentive (STI) awards, wellbeing allowance, quarterly wellbeing days, 25 days annual leave (ANZ) / unlimited PTO (US), professional development leave, fee-free Zip products, and mental health support via Sonder, Talkspace, etc. [zip.co](https://zip.co/careers)
- **Diversity**: Gender equality targets – 40% women, 40% men, 20% any gender across the workforce
- **Hiring process**: Four-phase process (talent screen, functional interview, leadership & values interview, take-home challenge) typically completed in 2–4 weeks [zip.co](https://zip.co/careers)

## Sources
1. [zip.co](https://zip.co/about-us)
2. [zip.co](https://zip.co/careers)
3. [zip.co](https://zip.co/investors)
4. [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life)
5. [zip.co](https://zip.co/careers/roles)

## Other roles at Zip Co Limited

- [Director, Strategic Operations](https://feeny.ai/job/director-strategic-operations-zip-co-limited-united-states-0xnchq3sphnr) — United States
- [Group Product Manager (Direct-to-consumer)](https://feeny.ai/job/group-product-manager-direct-to-consumer-zip-co-limited-united-states-zmdkaxaymvvx) — United States
- [Assistant General Counsel](https://feeny.ai/job/assistant-general-counsel-zip-co-limited-united-states-5ss4wf88naws) — United States
- [Senior Customer Experience Partner, Operations](https://feeny.ai/job/senior-customer-experience-partner-operations-zip-co-limited-united-states-wpcm0wwf7yk8) — United States
- [Senior Risk Analyst](https://feeny.ai/job/senior-risk-analyst-zip-co-limited-united-states-tffg42bfwgas) — United States
- [Business Process Manager](https://feeny.ai/job/business-process-manager-zip-co-limited-sydney-q6yrvm3jes1e) — Sydney, Australia
- [Sr. Partner, Credit, Model & Fraud Risk Oversight](https://feeny.ai/job/sr-partner-credit-model-fraud-risk-oversight-zip-co-limited-united-states-66ntszwe38a0) — United States
- [Senior Data Analyst, Credit Risk](https://feeny.ai/job/senior-data-analyst-credit-risk-zip-co-limited-melbourne-b59rd49p8bt8) — Melbourne, Australia / Sydney, Australia
- [Senior GTM Systems Manager](https://feeny.ai/job/senior-gtm-systems-manager-zip-co-limited-united-states-r8wvt5n6ewgn) — United States
- [Associate Director, Fraud and Disputes Operations Strategy](https://feeny.ai/job/associate-director-fraud-and-disputes-operations-strategy-zip-co-limited-united-317949vrn69r) — United States