Senior Product Analyst (UPL)
Zopa
Product, IT
London, UK
Posted on Mar 6, 2026
Our Story
Hello there. We’re Zopa.
We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com !
We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife
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...
We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.
You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
Hello there. We’re Zopa.
We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com !
We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife
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
- 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.
We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.
You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
- Subject to having the right to work in the country of choice
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.