Senior Product Analyst (Payments) at zopa

Our Story   Hello there. We’re Zopa.   We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!  We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.  If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife At Zopa, Analysts are the people who turn curiosity into clarity and data into direction. We’re a bank built on doing things differently and growing fast. Over the past two years, we’ve grown more than 25% year-on-year. As we scale, thoughtful, high-quality analytics becomes even more important. Not just to explain what’s happening, but to shape what we build next.  We’re looking for a Senior Product Analyst to join our Payments Tribe - someone structured, independent and craft-focused, who cares deeply about making impact.  The Role  This is a foundational Product Analyst role within Payments. While the tribe is established, it has not previously had dedicated Product Analytics support. You will be the embedded analytics partner for Payments - shaping how insight is generated, how metrics are defined, and how decisions are made.  You’ll sit alongside Product and Engineering day-to-day, while reporting into a central Product Analytics team. That means you get the best of both worlds: deep domain ownership in Payments, plus a strong analytics cohort committed to building one of the best product analytics functions in fintech.  This role will suit someone who enjoys building clarity in complex spaces, creating structure where ambiguity exists, and becoming the trusted expert in a domain.  About the Payments Tribe The Payments Tribe’s 2026 strategy is about moving from a fragmented, product-by-product payments setup to a unified, resilient, and cost-efficient payments platform that underpins Zopa’s ambition to be the Home of Money.   The focus is shifting from “enabling launches” (e.g. our Biscuit card in 2025) to building a horizontally integrated payments experience that improves customer trust, lowers cost per transaction, and reduces operational risk,  while enabling growth across Current Accounts, Lending, Wealth and POS.  Payments is complex, data-rich and business-critical. Great analytics here directly improves customer experience and financial performance.  A day in the life... • Build strong relationships across Product, Engineering and Data • Develop a deep understanding of Payments end-to-end, from transaction flows to failure points and operational edge cases • Define and embed clear, trusted metrics, identifying and resolving gaps in tracking and reporting • Structure ambiguous performance questions into clear analytical approaches and actionable insight • Analyse complex transactional data to surface risks, opportunities and drivers of change • Partner with Product Managers to shape roadmaps, design and evaluate experiments, and model the commercial impact of product changes • Quantify trade-offs between customer experience, cost efficiency and operational risk • Deliver high-quality dashboards, diagnostics and deep-dives that directly inform decision-making • Own analytical projects end-to-end and proactively identify where analytics can create additional value • Act as the go-to expert for Payments data within the tribe About you... • Ability to bring both rigour and curiosity, enjoying the challenge of turning complex data into clear, decision-driving insight • Strong SQL skills, with experience working on large, complex datasets • Experience using BI tools such as Tableau, Looker or Power BI; Python is a bonus • Experience working in a data-led, fast-paced environment (e.g. fintech, banking, consulting or a high-growth start-up) • A strong quantitative background combined with excellent attention to detail and sound judgement • Comfortable operating autonomously and prioritising effectively in ambiguous environments • Able to translate complex analysis into clear, decision-driving insight • Strong stakeholder management skills, with the ability to influence constructively and respectfully • Clear and concise communicator, focused on implications and action • Organised and thoughtful in documentation and reproducibility • Motivated to continuously improve and deepen domain expertise • Nice to have: • Experience working with payments, transactional or ledger-style data At Zopa we value flexible ways of working. We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.   You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one. *Subject to having the right to work in the country of choice Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.