Full-Time
Zopa
501-1,000 employees
Peer-to-peer lending and financial services
No salary listed
Junior, Mid
London, UK
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, subject to having the right to work in the country of choice.
- Experience building distributed systems at scale
- Test-driven development practices
- Comfort operating in uncertainty and rapid change
- Collaborative problem-solving skills
- A product-focused engineering mindset
- Work with Kotlin, Kafka, Kubernetes, Docker, AWS Aurora Postgres, and other modern technologies
- Focus on shipping great products, not just writing superb code
- Design and build modern, reliable, scalable microservices
- Own your services end-to-end, from conception to production monitoring
- Collaborate directly with product, design and data experts to shape solutions
- Experience with fintech or banking is a plus
Zopa operates in the peer-to-peer lending market, offering personal loans, savings accounts, credit cards, and car finance. By connecting individual lenders directly with borrowers through its online platform, Zopa allows for a more efficient lending process that often results in better rates for both parties. The platform uses technology to facilitate quick loan approvals, sometimes within just 12 seconds, without affecting the borrower's credit rating. Unlike traditional banks, Zopa's model focuses on providing competitive interest rates and a streamlined experience, making it easier for borrowers to access funds and for investors to find lending opportunities. The company's goal is to enhance the financial experience for its users while maintaining compliance with regulatory standards in the UK.
Company Size
501-1,000
Company Stage
Late Stage VC
Total Funding
$1.1B
Headquarters
London, United Kingdom
Founded
2005
Simplify's Take
What believers are saying
- Zopa raised £68 million to expand fintech offerings, including a 2025 current account launch.
- Jeremy Penzer's appointment as CAO strengthens Zopa's data analytics capabilities.
- Zopa's partnership with Google Cloud enhances AI integration, boosting operational efficiency.
What critics are saying
- Increased competition from digital banks could erode Zopa's market share.
- Economic uncertainty in the UK may affect Zopa's loan and deposit volumes.
- Zopa's expansion plans may face regulatory hurdles, impacting growth timelines.
What makes Zopa unique
- Zopa pioneered P2P lending, offering direct loans between individuals since 2005.
- Zopa's technology enables loan pre-approval in under 12 seconds, enhancing user experience.
- Zopa integrates AI for personalized banking, setting it apart in the fintech landscape.
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Benefits
Hybrid Work Options
Flexible Work Hours
Remote Work Options
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -1%2 year growth
↓ -1%Digital bank Zopa has appointed Jeremy Penzer as its Chief Analytics Officer.He joins Zopa from Visa, the digital payments network, where he was Head of Data Science for Europe. Prior to that he served as Capital One Europe’s Chief Analytics Officer and as an academic statistician at the London School of Economics.Jeremy will oversee a team of 80 data scientists, credit decisioning, and valuation experts as the bank enters a phase of accelerated growth and prepares to release a raft of new products and services.Zopa uses algorithms built using machine learning to make lending decisions almost instantaneously; 99% of approved loans take less than 5 seconds for credit approval.In recent months Zopa has been testing its flagship current account in beta and a GenAI proposition that will bring humanity and warmth bank into everyday banking.The appointment comes off the back of an exceptionally strong year for Zopa, followed by a €80 million equity raise led by A.P. Moller Holding – owners of the Maersk shipping and logistics giant and investors in Danske Bank.Jeremy Penzer, CAO at Zopa Bank said: “I am thrilled to be joining Zopa as it continues its remarkable trajectory as one of the fastest-growing digital banks in the UK. Zopa is the only UK neobank successfully lending at scale, meeting all consumer lending and saving needs in one place. I am looking forward to taking Zopa’s data and analytics capabilities to the next level as its steps into everyday banking and enters its next phase of growth”.In just over 4 years Zopa has secured its banking license, grown to over 1.4 million customers, and achieved profitability. It has launched unsecured personal loans, BNPL retail finance and POS, car finance, credit cards, savings accounts, and tools for improved financial management and health.To date Zopa has attracted £5.5 billion in deposits and has just over £3 billion of loans on its balance sheet
Digital bank Zopa has appointed Jeremy Penzer as its chief analytics officer.
Victoria Parker has joined Britvic plc in the newly formed role of Retail Category & Commercial Delivery Director.
The UK tech scene raised £147.7M between Dec 2-6, a fourfold increase from the previous week. Notable deals include Zopa securing £68M to expand its fintech offerings. Lawhive, a legal AI tool, and Argo Blockchain, a crypto mining firm, also closed funding rounds, though amounts were undisclosed. This surge highlights investor confidence in UK tech, particularly in fintech, legal tech, and crypto sectors.