Senior Product Analyst (UPL)

At Zopa, Analysts are the people who turn curiosity into clarity and data into direction. We’re a bank built on doing things differently — and scaling fast. Over the past two years, we’ve grown more than 25% year-on-year. As we continue to expand, thoughtful, high-quality analytics becomes even more important — not just to explain performance, but to unlock new growth. We’re looking for a Senior Product Analyst to join our Unsecured Personal Loans (UPL) Tribe — someone commercially sharp, creatively curious and analytically rigorous, who wants to shape the future of one of the UK’s leading lending products. The Role This is a high-performing, established tribe with ambitious goals for the year ahead. The focus is not on building from scratch, but on accelerating growth, fine-tuning performance and unlocking new streams of value. You will be the embedded Product Analyst supporting originations, conversion, and in-life customer servicing. You’ll partner closely with Product, Credit Risk, Decisioning and Commercial teams, with strong visibility across leadership given UPL’s central role in Zopa’s performance. You’ll sit within the tribe day-to-day while reporting into a central Product Analytics team — combining deep domain ownership with the support of a strong analytics cohort. This role suits someone who enjoys working on products at maturity: refining what works, challenging assumptions and identifying creative ways to grow in a competitive market. About the Unsecured Personal Loans (UPL) Tribe UPL is Zopa’s largest and most profitable lending product, serving around 6% of the UK unsecured personal loans market. It anchors the bank’s unit economics and has delivered sustained growth over several years. As the product matures, the focus is on accelerating sustainable growth while maintaining strong unit economics. This means continually improving how we acquire, approve and support customers — refining conversion, reducing friction and embedding lending more seamlessly into the broader Zopa ecosystem. The tribe works across both optimisation and innovation: enhancing core journeys, improving decisioning through smarter use of data, and exploring new ways to meet customer borrowing needs in a competitive market. Great analytics here directly influences revenue, customer experience and long-term value creation. A day in the life...

Partner with Product, Credit Risk, Decisioning and Commercial teams to understand and optimise the end-to-end lending funnel

Define, embed and evolve core metrics across acquisition, eligibility, approval, conversion and in-life servicing

Identify and prioritise opportunities to improve funnel efficiency, customer experience and commercial performance

Design and evaluate experiments across acquisition, pre-approval, eligibility and servicing journeys

Analyse complex lending and Open Banking datasets to unlock new growth opportunities

Support major strategic initiatives such as the Lending Hub and new lending propositions

Model and forecast the impact of product, credit and growth initiatives

Quantify trade-offs across approval rates, risk, conversion and customer outcomes

Own analytical projects end-to-end, proactively identifying where insight can drive incremental originations

About you...

Strong SQL skills and experience working with large, complex datasets. Python experience is a bonus

Experience with BI tools such as Tableau, Looker or Power BI

You combine analytical rigour with strong commercial judgement and enjoy working at the intersection of product, credit and growth

You have experience working in a data-led, fast-paced environment (e.g. fintech, banking, consulting or a high-growth start-up). Experience in lending or credit products is strongly valued given the scale and visibility of this role

You're analytical with excellent attention to detail

Have a strong quantitative background and naturally translate data into commercial impact

Enjoy designing experiments and generating new growth hypotheses

Are comfortable working with senior stakeholders in high-visibility environments

Can balance creativity with discipline — refining metrics while constructively challenging how they’re framed

Communicate clearly and confidently, focusing on impact, trade-offs and implications

Thrive in cross-functional teams. Ability to build strong relationships across Product, Credit and Commercial functions

Are proactive, curious and comfortable taking ownership

Nice to have: experience in lending, originations funnels, credit decisioning or Open Banking data.