Jobs at Zopa Bank

The Product Analyst will guide development of Zopa’s Joint Current Account through customer and product analysis. Responsibilities include partnering with product, design, engineering, and analytics teams; designing experiments; defining performance and customer-experience metrics; managing an analytics roadmap; and building AI-enabled analytics tools and internal data applications. The role requires translating complex data into actionable insights for technical and non-technical stakeholders in a fast-paced fintech environment.

Analyze transaction-enrichment data using Python and SQL, identify failure patterns, form hypotheses, and prototype solutions. Design evaluations, including LLM-as-judge methods, to assess accuracy, cost, and coverage trade-offs. Translate findings into product recommendations and implementation guidance while collaborating with Product and Engineering. The role requires practical experimentation, LLM API usage, data-quality analysis, and clear communication with technical and nontechnical stakeholders.

Support Zopa’s planning, forecasting, budgeting, scenario modelling and capital decision-making. Analyze financial risks, opportunities, credit performance and impairment assumptions across P&L, balance sheet, liquidity and funding. Partner with Finance, Risk, Product and Treasury teams to challenge assumptions, improve forecasting models and produce decision-ready analysis for senior stakeholders and committees. Help strengthen Anaplan outputs and use AI tools to improve planning efficiency.

Own customer problems end to end by identifying opportunities, building AI-powered banking experiences, designing evaluations, shipping products, and iterating from customer and production insights. The role involves working directly in the codebase, using prompts and tools, optimizing model performance, cost and latency, analyzing data and conversations, and managing risk and compliance in a regulated banking environment.

Build and improve Zopa’s native iOS banking app within the Mobile Platform team. Responsibilities include developing customer-facing features with Swift, improving app performance and reliability, resolving bugs, contributing to shared architecture and developer tooling, and collaborating with Product, Design, Backend, React Native, and other iOS engineers. The role also involves promoting engineering standards, testing, accessibility, observability, and maintainable mobile development practices.

Leads a sizeable engineering organization and sets strategy for technology, architecture, people, and ways of working. Builds high-performing teams through Engineering Managers, drives organizational change, improves engineering effectiveness using data and AI, and influences major technical decisions. Partners with Product, Commercial, and Technology leaders to deliver business outcomes and raise engineering standards across the company. The role is hybrid in London, requiring office attendance two to three days per week.

Design and evolve reliable AWS cloud platform capabilities for engineering teams. Improve Kubernetes, Terraform, CI/CD, monitoring, networking, security, observability, resilience, and operational practices. Build reusable tooling, guardrails, and self-service foundations while partnering with application engineers. Own initiatives from problem definition through delivery, contribute to platform standards, and support business-critical services through an on-call rota.

Leads Zopa for Business’s partner and distributor risk function across the full relationship lifecycle. Responsibilities include setting risk strategy, designing onboarding and oversight frameworks, assessing higher-risk cases, monitoring exposures, advising senior stakeholders, managing remediation and exits, and building a scalable, data-led control capability. The role leads a risk team and partners with Product, Engineering, and specialist functions in a regulated fintech environment.

Build and maintain consumer-credit risk, value, revenue, profit, and customer lifetime value models. Translate ambiguous credit questions into practical analyses and classification or regression solutions using Python and statistical judgment. Partner with Credit Strategy, Product, and Engineering to prioritize work, productionize models, explain technical decisions, and drive alignment. This hands-on individual-contributor role offers mid- and senior-level scope in a collaborative hybrid environment.

Build and evolve Zopa’s native iOS platform, including shared modules, APIs, architecture, developer tooling, design systems, observability, and CI/CD. Deliver production-quality Swift and SwiftUI code, improve performance and reliability, shape technical standards, and collaborate across engineering, product, design, backend, and Android teams. Coach engineers through pairing, code reviews, technical discussions, and knowledge sharing.

Leads Zopa’s end-to-end complaints function across multiple banking products, ensuring fair customer outcomes, regulatory compliance, quality, and operational performance. The role manages transformation toward an AI-enabled operating model, oversees complex cases and controls, uses data for forecasting and root-cause analysis, develops leadership capability, and represents complaints in senior and regulatory forums.

Graduate Analysts rotate through analytics placements covering technical skills, AI applications, data science, and product economics. They investigate business problems, analyze data, test ideas, build predictive models and self-serve tools, and communicate insights to stakeholders. Analysts may join credit strategy, product analytics, data science, technology, or risk teams, taking ownership of recommendations that improve products, customer experience, lending decisions, and business performance.

Own UK tax compliance and reporting across Zopa entities, including Corporation Tax, VAT, CT61, SDRT and R&D tax relief filings. Manage HMRC relationships, tax risk, governance, SAO certification, audit support and tax provisions. Provide practical tax advice to Finance, Product, Treasury and Legal teams, monitor legislative changes, and improve tax processes through automation, standardisation and enhanced controls.

Leads Zopa’s complaints and DSAR operations, managing team leaders, escalations, quality, performance, regulatory compliance, and audit readiness. Uses complaint data and root-cause analysis to identify systemic issues, improve processes, and communicate risks to senior stakeholders. Partners cross-functionally across Product, Risk, Compliance, Legal, Credit, and Operations while exploring responsible AI applications in complaint handling and quality assurance.

As an Android Engineer, you'll migrate the app from React Native to native Android using Kotlin, enhance app performance, collaborate on best practices, and work cross-functionally to deliver high-quality features.

Leads and develops an Analytics Engineering team, owning prioritization, technical roadmaps, data product quality, modeling, testing, observability, documentation, and CI/CD practices. Partners with Product, Engineering, Analytics, Data Engineering, and Data Science to deliver scalable analytical data products and business value. Drives continuous improvement, knowledge sharing, standards, and adoption of emerging technologies including AI-assisted development.

Lead marketing operations by translating strategy into integrated plans, coordinating major campaigns and product launches, managing priorities, capacity, budgets, dependencies, agencies, and cross-functional delivery. Partner with Marketing, Product, Finance, Legal, Compliance, and channel owners to drive accountability, anticipate risks, and ensure high-quality execution. Support strategic planning, OKRs, investment decisions, creative development, and scalable marketing processes in a fast-moving environment.

Lead and build the Marketing Analytics function, partnering with senior stakeholders to shape measurement, attribution and growth strategies. Manage and develop a team of four analysts, define multi-channel measurement frameworks, improve analytics maturity, ensure analytical rigor, and influence acquisition, CRM and marketing investment decisions to drive commercial impact.

Provide pragmatic compliance advice and oversight for the lending business, ensure regulatory adherence (COBS, BCOBS, CONC, SYSC), review financial promotions, lead compliance reviews, represent compliance on projects and committees, and drive compliance awareness across the business.

Lead and manage the Mobile Platform team, drive mobile technical strategy and delivery, improve app architecture, build/distribution/observability, and communicate with senior stakeholders to deliver high-profile strategic projects.