Product Manager, Decisioning

Product Manager, Decisioning

• PM with experience in credit risk or decisioning you'll drive Zip's credit decisioning vision to lift approval rates, automate smarter choices and power safer growth across ANZ
• Work alongside smart, passionate people who are looking to push boundaries and create change using the latest and greatest tech and AI
• Sydney-based hybrid role with 2 team collaboration days in office per week.

Write your story with a career at Zip
Join Zip's ORCA (Onboarding, Repayments & Customer Accounts) squad, the team shaping seamless onboarding, repayments and customer account experiences so millions can shop with confidence while we manage risk responsibly. You'll help us build and scale the platforms and journeys that connect customers and merchants every day.

In this role you'll set the long-term decisioning strategy and roadmap, own day-to-day acquisition performance across our products, and uplift the capabilities that make faster, fairer and more reliable credit decisions.

What You'll Own

• Set and drive a clear decisioning vision and roadmap that balances growth with risk appetite and regulation.
• Manage the end-to-end decisioning experience so outcomes are reliable, data-driven and scalable.
• Partner with Engineering and Credit Risk data teams to improve system performance, stability and operational excellence.
• Create reporting and insights that lift approval, registration and conversion rates while safeguarding portfolio quality.
• Define OKRs and metrics for decisioning, then track and share progress with clarity.
• Lead triage on decisioning-related incidents and continuously improve controls and governance.

What You'll Bring To The Team

• 3+ years in product management in fintech or banking, ideally with experience in Consumer Finance products or Decisioning.
• Strength in analytics and experimentation to inform decisions and prove impact.
• Experience across the product lifecycle with measurable commercial outcomes.
• Confident stakeholder management that builds consensus and momentum across teams.
• A detail-oriented, problem-solving mindset and the urgency to deliver at pace.
• 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, Novated leasing options through the Flare platform
• 2 days paid volunteering leave, 2 days study leave and 2 days religious or cultural leave per year
• 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.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to 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.