Full-Time

Senior Product Manager

Internal Agentic Processes

Posted on 8/20/2026

Zip

Zip

1,001-5,000 employees

Interest-free BNPL payments provider internationally

No salary listed

Melbourne VIC, Australia + 1 more

More locations: Sydney NSW, Australia

Hybrid

Work flexibly from the Sydney or Melbourne office.

Category
Product (1)
Required Skills
Product Management
Risk Management
Data Analysis

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Requirements
  • Strong product management experience taking complex opportunities from an ambiguous problem through discovery, delivery and continuous improvement.
  • Strong product discovery skills and the ability to understand complex workflows, uncover underlying problems and translate them into clear product opportunities.
  • A practical understanding of artificial intelligence, automation and agentic technologies, with judgement to recognise where they can create meaningful business value.
  • Experience partnering with Data, artificial intelligence, Engineering or other technical teams to turn business problems into scalable product solutions.
  • Strong systems and process thinking, connecting people, processes, data and technology.
  • Experience using experimentation, data and qualitative insights to prioritise opportunities and make effective product decisions.
  • Strong communication and stakeholder influencing skills to navigate competing priorities and bring people through change.
  • Commercial and operational judgement balancing business value, user experience, scalability, delivery complexity and risk.
  • An aptitude for identifying and managing risks.
  • A mindset that embraces artificial intelligence and new tools to adapt, learn and grow.
  • Alignment with Zip's values: Customer First, Own It, Stronger Together and Change the Game.
Responsibilities
  • Identify and prioritise internal processes and workflows where agentic artificial intelligence can improve effectiveness, efficiency and quality.
  • Lead product discovery with internal teams to understand workflows, pain points, needs and opportunities.
  • Build and manage a prioritised pipeline of agentic artificial intelligence opportunities, balancing business value, user impact, feasibility, risk and strategic alignment.
  • Define clear product outcomes, requirements and measures of success, using sound judgement to navigate ambiguity and make considered trade-offs.
  • Partner closely with Data & AI to turn business problems and workflow opportunities into practical, scalable solutions.
  • Lead experiments and pilots that test assumptions and determine where agentic approaches should be adopted, adapted or stopped.
  • Redesign internal workflows around new capabilities, looking beyond automation to find better ways for teams to work.
  • Drive adoption by ensuring successful solutions are intuitive, useful and embedded into everyday workflows.
  • Use data, feedback and operational insights to understand impact and continuously improve delivered solutions.
  • Capture reusable product patterns and learnings that help successful agentic use cases scale across Zip.
  • Partner with Risk, Security and other stakeholders to embed responsible artificial intelligence practices and appropriate controls from the outset.

Zip Co provides buy now, pay later (BNPL) services that let people buy things now and pay over time without interest. It operates in markets including Australia, New Zealand, the United Kingdom, the United States, Canada, and Mexico, serving both individual consumers and businesses. Its main products are Zip Pay (for everyday purchases) and Zip Money (for larger expenses). Revenue comes from merchant fees, late fees, and interest on certain products. Zip partners with retailers to offer convenient, transparent payment options that help customers manage their finances, with a focus on simple terms and clear due dates. The company aims to expand globally and grow its market presence by providing flexible, easy-to-use payment solutions that simplify the purchasing process.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Sydney, Australia

Founded

2013

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Simplify Jobs

Simplify's Take

What believers are saying

  • FY26 cash EBTDA hit A$268.9 million; FY27 guidance rises to A$340 million.
  • Rally House added 300-plus stores on 29 June 2026, expanding U.S. sports spending.
  • UBS bought 5.02% in July 2026, validating Zip's turnaround and liquidity.

What critics are saying

  • FY26 net bad debts rose to 1.8% of TTV, pressuring margin quality.
  • State Attorneys General opened a December 2025 inquiry; U.S. regulation can tighten fast.
  • If U.S. credit losses spike, Victory Park funding and Zip's growth engine break.

What makes Zip unique

  • Zip's 29,000-plus U.S. merchants and 4.6 million active customers create scale defensibility.
  • Zip sells multiple repayment products, including Pay in 2 and Pay in 4.
  • Zip's agentic-commerce trust framework with IXOPAY positions it early for AI checkout.

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Benefits

Parental leave - Enjoy up to 20 weeks paid leave and return part-time on a full-time salary for 3 months!

Bonus scheme - We give you skin in the game through our various share incentive programs.

Family support - We support our ZipFam on their life journey through people policies and programs.

Volunteer leave - Use your paid volunteer leave to Zip it forward and create change in your community.

Reward & recognition - We love celebrating your wins and giving you the freedom to choose how you're rewarded.

Career growth - You'll be given clear progression pathways and transparent coaching so you can truly flourish.

Growth & Insights and Company News

Headcount

6 month growth

-4%

1 year growth

0%

2 year growth

0%
Yahoo Finance
Aug 20th, 2026
Zip shares jump 17% as FY26 profit climbs 46% to $116M and FY27 EBTDA guidance hits $340M

Zip Co shares jumped 17% to $2.97 after the buy now, pay later company reported a 46% rise in statutory profit to $116.4 million for the year ended 30 June. Cash earnings before tax, depreciation and amortisation reached a record $268.9 million, up 58% on the prior year. The company guided to cash EBTDA of $340 million for FY27, representing 26% year-on-year growth. Total transaction volume increased 23% to $16.7 billion, with US transaction volume rising 42.5% in US dollar terms. Zip announced a $50 million on-market share buyback for FY27 and is considering a potential dual listing in the US alongside a share consolidation, subject to shareholder approval.

Kalkine Media
Jul 28th, 2026
UBS Group acquires 5% stake in Australian fintech Zip Co

UBS Group AG has acquired a 5.02% stake in Australian fintech company Zip Co Limited, becoming a substantial shareholder. The Swiss banking giant now holds a relevant interest in 62.5 million ordinary shares as of 24 July 2026. The shareholding is spread across multiple UBS entities, including its asset management, securities, and prime broking divisions. The positions were accumulated through various methods such as prime broking agreements and stock borrowing and lending activities. The substantial holder notice was filed on 28 July 2026, confirming UBS's status as a major shareholder in the buy now, pay later company.

Business Wire
Jun 29th, 2026
Zip partners with Rally House to offer flexible payments across 300+ sports retail stores in US

Zip has partnered with Rally House, a specialty sports retailer with over 300 locations across 28 states, to offer flexible payment options both online and in-store. The collaboration allows customers to purchase licensed fan gear for NFL, NBA, MLB, NHL and college teams using Zip's instalment payment solutions. Rally House serves as the Official Team Shop of the Big 12, Big Ten and Mid-American Conferences. The partnership addresses the time-sensitive nature of sports retail, where championship wins and major sporting events drive emotionally charged purchase decisions. Zip currently operates with more than 29,000 US merchant partners and 4.6 million active US customers. The company offers point-of-sale credit and digital payment services across its core markets in Australia, New Zealand and the United States.

PR Newswire
May 19th, 2026
Zip and InComm bring buy now, pay later to gift cards as BNPL usage hits 15%

Zip and InComm Payments have partnered to bring instalment payments to gift cards, allowing eligible US shoppers to purchase popular gift card brands through the Zip app and split payments over time. The integration gives Zip's 4.6 million active US customers access to gift cards across retail, entertainment, dining and travel categories. Users can select cards, choose denominations and split costs at checkout without leaving the app. The move responds to growing adoption of buy now, pay later services. Federal Reserve data shows 15% of consumers surveyed in 2024 used BNPL in the prior 12 months, up from 10% in 2021. Founded in Australia in 2013, Zip operates in Australia, New Zealand and the United States with 29,000 merchant partners. InComm Payments is a global payments technology company headquartered in Atlanta.

Associated Press
Mar 24th, 2026
IXOPAY and Zip US launch unified trust layer framework for AI-driven commerce

IXOPAY and Zip US have launched the Unified Trust Layer Framework, an open industry initiative addressing trust and liability challenges in AI-initiated commerce. The framework aims to establish identity verification, preserve transaction intent and make trust measurable when AI agents autonomously conduct transactions. The initiative responds to structural shifts in payment systems, which were designed for human-initiated transactions. According to Accenture, 87% of financial institution technology officers believe trust will be the most significant barrier to agentic payments adoption, whilst 78% expect fraud to increase as agentic commerce scales. The framework focuses on three capabilities: agent identity validation, intent capture and preservation, and contextual trust signalling. IXOPAY and Zip are inviting merchants, networks and platforms to help shape the framework's development.