Jobs at Zopa Bank

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.

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.

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.

Monitor and investigate customer transactions for money laundering, fraud, terrorist financing, mule activity, and other financial crimes. Review AI-generated alerts, apply regulatory judgment, escalate suspicious activity, prepare investigation reports, maintain audit records, and support monitoring control improvements. The role also involves phone and chat interactions with customers regarding suspended accounts, requiring clear communication and the ability to manage competing priorities.

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.

The role involves using SQL and Python to develop automated solutions for risk management, improve process monitoring, and collaborate with various teams to enhance data-driven decision-making in banking operations.

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.

Lead Zopa’s data privacy function, advising on privacy implications for products and customer journeys, translating UK privacy law into practical guidance, and developing governance frameworks covering DPIAs, privacy by design, retention, ROPA, and third-party diligence. Manage privacy incidents, data-subject rights requests, regulatory notifications, stakeholder partnerships, and a direct report. Contribute to PCI DSS capability, data-risk management, privacy awareness, and compliance across regulated financial services.

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.

Senior individual-contributor analytics leader who shapes analytics strategy, semantic layers, metric governance and AI-enabled analytics. Drives technical standards, partners with Product/Data/Engineering, coaches analysts, leads cross-functional analytics products, experiments with emerging tech and owns senior reporting and organisation-wide metrics.

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 data-driven 2nd-line compliance assurance for a digital bank, running targeted reviews using analytics and AI, collaborating with data teams, providing compliance analysis, and overseeing assurance approaches across risk areas to ensure effective risk management and better customer outcomes.

Lead implementation and adoption of the OneModel people analytics platform, build dashboards and self-service reporting, maintain headcount and workforce data, strengthen data governance, produce Executive and Board reporting, automate processes, partner with Finance, Technology and vendors, and provide actionable people insights to improve business performance.

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.

Own and improve first-line frameworks for Operational Resilience and Third-Party Risk. Simplify processes, create guidance and templates, improve workflows and governance, and lead resilience activities (self-assessment, important business services, impact tolerances, dependencies, testing). Oversee the material third-party register, embed risk requirements into supplier processes, and support monitoring, BCP and exit planning for high-risk suppliers.

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.