高级技术产品经理 - 承保平台
Senior Technical Product Manager - Underwriting Platform
- 有领导贷款发放和新客户开户的经验，优化审批率的同时降低欺诈和信用风险
- 具备强大的分析能力和数据素养，有使用业务指标驱动产品策略和优先级的经验
- 有使用不同AI工具和技术来提升个人和团队生产力的经验
- 面向美国本地员工的远程优先机会，也可选择在我们的曼哈顿办公室现场办公
**加入Zip开启你的冒险**
我们正在寻找一位协作性强、数据驱动的**高级技术产品经理 – 审核平台**，负责管理并扩展支持我们客户开户和审核平台的技术。在此职位中，你将推动平台功能，最大化贷款审批率，有效将技术解决方案与风险策略和业务目标对齐。
理想的候选人将负责制定推动新客户获取和激活的路线图，优化决策流程，并整合先进的身份验证和信用数据服务。
Zip的产品团队专注于提供无缝且创新的金融体验，支持数百万客户。我们的团队行动迅速，拥有高度责任感，协作解决复杂问题。我们重视自主学习的心态、好奇心、以客户为中心的理念以及强大的执行力。
**你会解决的问题**
- 制定并执行推动注册、贷款审批和激活的平台策略，同时平衡风险。
- 与工程、信用和欺诈团队紧密合作，构建可扩展、合规且高效的开户和贷款平台功能。
- 评估并实施AI驱动的产品功能、工作流程或自动化机会，以提升客户开户体验和运营效率。
- 与工程和风险团队合作，交付低代码平台功能，加快企业对不断变化的业务、风险和监管环境的响应速度。
**你将为团队带来的价值**
- 6年以上产品管理经验，包括在金融科技、支付、贷款或金融服务平台的支持经验
- 有主导开户、激活或增长导向的产品项目经验，并产生可衡量的业务影响
- 强大的技术素养，能够与工程团队高效协作
查看英文原文
- 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
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Zip participates in the federal government’s E-Verify program