Senior Product Manager, Consumer Propositions & Portfolio

Senior Product Manager, Consumer Propositions & Portfolio

Shape the future of our consumer lending portfolio by owning strategy, product construct and P&L for market-leading financial products that customers love and trust

Deep product leadership experience across financial services, payments or technology, with strong commercial and portfolio optimisation capability

Hybrid working model with meaningful in-office collaboration across our Sydney or Melbourne offices

Write your story with a career at Zip You’ll join Zip’s Consumer Proposition & Portfolio squad, the team responsible for shaping and evolving some of our most commercially significant consumer products. This is where customer value, commercial discipline and responsible growth come together.

As a Senior Product Manager, you’ll own the end-to-end success of your product portfolio. From defining strategy and evolving product construct, through to driving contribution margin and portfolio health, you’ll operate at the intersection of growth, risk and customer experience. You’ll work closely with Marketing, Risk, Finance, CX, Operations and Product teams to deliver sustainable, profitable outcomes that strengthen customer trust and differentiate Zip in a competitive market.

What you’ll own

Setting and evolving a clear 12-month product strategy aligned to ANZ commercial priorities

Owning the product construct including pricing, credit limits, interest free periods, features and account types

Full accountability for product P&L, driving revenue, cost of sales, growth and contribution outcomes

Defining and delivering a high-quality, sequenced roadmap that balances immediate performance with long-term capability building

Partnering with Marketing to define compelling consumer and merchant value propositions, messaging and targeting

Regularly reviewing and optimising portfolio performance to drive profitable, responsible growth

Championing operational excellence by collaborating with CX, Sales and Operations to lift every customer experience

Ensuring ongoing compliance with relevant regulatory requirements in partnership with Legal and Risk

Defining KPIs and OKRs to track performance, identify early signals and course-correct where needed

Acting as the internal advocate for your products, using data and customer insight to influence decision-making across the business

What you'll bring to the team

5+ years’ experience in product management within financial services, payments or technology, delivering customer‑focused outcomes

Proven experience setting product strategy and executing against measurable commercial objectives

Strong commercial acumen with demonstrated P&L ownership and contribution margin thinking

Experience using data and analytics to build, scale and optimise mature product portfolios

Confidence balancing growth, risk and customer fairness in regulated environments

Exceptional stakeholder management skills with the ability to build alignment across Product, Marketing, Risk, Finance and Operations

Clear and compelling storytelling skills that bring teams together around the ‘why’

An emerging leadership mindset with a bias for action and high‑quality execution

Ability to translate product objectives into tangible growth and engagement levers

Experience working in fast‑paced environments while creating space for collaboration and diverse perspectives

A mindset that embraces AI and new tools to adapt, learn and grow.

An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.

Our values in your DNA: Customer First, Own It, Stronger Together and Change the Game

What you’ll get in return As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands‑on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.

Zip is a place where you’ll get out exactly what you put in. When you join the team, we’ll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

25 days paid leave annually, including birthday leave and quarterly wellbeing days

16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers

Family support policies including miscarriage bereavement leave and domestic violence leave

Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our EAP service Sonder, discounted private health insurance , and great rates on fitness sessions through ClassPass

2 days paid volunteering leave per year

Access to the Flare Benefits Hub and Novated Leasing for savings across lifestyle, essentials and wellbeing

Fee‑free Zip products, and discounts with Zip merchant partners

Team social events, epic offices, free breakfast daily, and weekly free lunches

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 US, 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.

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