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.

Investigate B2B partner fraud alerts, unusual activity, and emerging risk patterns across auto dealers, merchants, and other partners. Assess evidence, recommend proportionate controls, support enhanced due diligence and offboarding decisions, and improve monitoring processes. Use dashboards and data to identify trends, produce management information, and collaborate with Account Management, Risk, Fraud Operations, Analytics, Technology, and external providers to balance customer protection with commercial growth.

Investigate complex transaction monitoring alerts involving money laundering, fraud, terrorist financing, mule activity and suspicious payments. Make evidence-based risk decisions, escalate suspicious activity, manage account restrictions, and document investigations. Critically assess AI-generated outputs, identify control gaps, and improve monitoring rules and operational controls. Handle sensitive customer conversations and collaborate with Financial Crime, Fraud, Support, Product and Risk teams while meeting UK regulatory requirements.

Investigate complex transaction monitoring and mule activity cases, assess risks, make evidence-based decisions, escalate suspicious activity, and manage account restrictions. Critically evaluate AI-generated monitoring outputs, identify control gaps, and improve financial crime controls. The role also involves sensitive customer conversations, accurate case documentation, and collaboration with Fraud, Customer Support, Product, and Risk teams.

Lead Zopa’s end-to-end complaints function across its digital banking products. Set standards for customer outcomes, regulatory control, quality, and consistency; lead transformation and AI-enabled process improvements; oversee forecasting, capacity planning, complex case decisions, controls, and reporting; and represent complaints with senior leaders and regulators. Build a high-performing leadership team and drive root-cause improvements across Product, Operations, Risk, Legal, and Compliance.

Own and evolve Zopa’s motion design language across brand, campaigns, performance marketing, web, CRM, social, and product communications. Create short-form video, storyboards, templates, asset libraries, and accessible digital content. Collaborate with marketers, designers, writers, and external production partners while exploring AI-assisted workflows and maintaining high standards for craft, consistency, and delivery.

Leads the B2B marketing function for Zopa for Business, defining strategy, budgets, demand generation, partner marketing, buyer experiences, measurement, and AI-enabled operations. Builds a scalable marketing capability across Retail Finance, Payments, Partnerships, and Auto Finance, connecting marketing activity to qualified demand, pipeline, partner growth, conversion, and revenue. Requires close collaboration with Product, Commercial, Sales, and external agencies while developing the team and maintaining delivery accountability.

Provides technical accounting support for transactions, products, contracts, and business initiatives. Responsibilities include drafting accounting papers, maintaining policies, supporting annual report production, assessing IFRS 9 and IAS 39 treatments, partnering with auditors and stakeholders, horizon scanning regulatory changes, and improving reporting through automation and AI. The role also supports month-end reporting and implementation of new accounting treatments across finance systems and processes.

Supports FP&A analysis for lending, savings, and current-account products. Responsibilities include analyzing performance against plan, investigating P&L and balance-sheet variances, developing financial narratives, identifying risks and opportunities, supporting scenario analysis and projections, and partnering with product and finance stakeholders. The role requires banking or financial-services experience, forecasting and financial-modelling knowledge, and the ability to communicate insights for decision-making.

Own a regional dealer portfolio for Zopa Auto Finance across the North East and Scotland. Responsibilities include identifying prospects, developing new business, managing the sales pipeline and CRM, onboarding dealer partners, maintaining account plans, reviewing performance and risk metrics, delivering training, resolving escalations, and sharing market insights. The role is field-based with regular client travel and requires collaboration with internal commercial, product, operations, onboarding, and risk teams.

Own a Yorkshire regional dealer portfolio for Zopa Auto Finance, combining new-business development with account management. Responsibilities include identifying dealer prospects, building pipelines, maintaining CRM records, onboarding partners, managing relationships, reviewing performance and risks, delivering training, resolving escalations, and sharing market insight. The role is field-based and requires regular travel across Yorkshire, a full UK driving licence, strong B2B sales experience, and commercial judgment.

Review fraud alerts, onboarding escalations, payments, personal-information changes, and fraudulent transaction claims. Conduct document reviews and call listening, identify first-party fraud, submit Cifas reports, raise Visa chargebacks, communicate with customers, and coordinate with financial institutions and law enforcement. The role also supports senior colleagues and coaches teams on fraud referrals while ensuring compliance with fraud and AML requirements.

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.

Lead Zopa’s first-line data privacy function, developing risk-based privacy frameworks, advising on complex data and technology decisions, managing significant privacy issues, and partnering with Engineering, Technology, Operations, Legal, Risk, and Security. The role includes line management and mentoring of a Data Privacy Associate, senior stakeholder engagement, privacy process automation, and ensuring responsible, well-evidenced decisions aligned with UK GDPR and customer protection.

Join our Point of Sale squad as a Software Engineer to design, develop, and maintain systems that enhance customer finance experiences at checkout.

Own cloud infrastructure and migration projects while building infrastructure-as-code, container platforms, cloud automation, and CI/CD capabilities. Improve developer experience through self-service tooling, secure and reliable platform services, documentation, standards, and code review. Support production systems through an on-call rota and contribute to observability, maintainability, security, and continuous improvement.

Support mission-critical PostgreSQL and AWS database services, automate DBA operations with Terraform and CI/CD, improve backup, restore, monitoring, and replication, and help migrate from Microsoft SQL Server to PostgreSQL. The role partners with cloud infrastructure and platform engineers, enables safe database self-service, participates in production on-call support, and improves reliability, security, resilience, and operational efficiency.

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.

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.