Senior Product Manager, Card Spend & Agentic Commerce

Senior Product Manager, Card Spend & Agentic Commerce 

• A senior individual contributor role where strategy, judgment and hands-on delivery come together in a highly regulated, fast-moving product environment.
• Shape how millions of customers use Zip cards every day, owning the future of card spend and scaling agentic, AI-enabled commerce experiences.
• Hybrid working from our Sydney office, with flexibility built around how high-impact product teams work best.

Write your story with a career at Zip

You’ll join Zip’s Product team within the Spend, Engagement & Loyalty stream, where we focus on helping customers get more value from every interaction with Zip. This team sits at the heart of how customers spend, engage and stay loyal, partnering closely with engineering, design, data, risk and operations to build experiences that are simple, trusted and genuinely useful.

As Senior Product Manager for Card Spend & Agentic Commerce, you will own the end-to-end strategy, roadmap and delivery of Zip’s card spend experiences. Operating as a senior individual contributor, you will shape medium- to long-term product direction, balance complex customer, commercial, technical and risk considerations, and lead cross-functional teams to deliver meaningful outcomes at scale. You will also play a leading role in defining and scaling Zip’s agentic commerce capabilities, moving beyond experimentation into production-grade, AI-enabled experiences that help customers spend smarter and engage more deeply with Zip over time.

What you’ll own

• Ownership of the vision, strategy and roadmap for Zip’s card spend and agentic commerce experiences, shaping how customers use Zip cards as part of their everyday spending.
• Driving sustained growth in card engagement and transaction volume through data-informed prioritisation, experimentation and continuous optimisation.
• Leading the discovery, delivery and scaling of agentic commerce capabilities, enabling intelligent, automated and AI-powered spend experiences that create real customer value.
• Partnering closely with a range of key stakeholder groups including: engineering, design, marketing, data, legal, risk & fraud to deliver high-quality, reliable and compliant card and spend experiences.
• Defining, tracking and clearly communicating OKRs and success metrics, using insights to inform decisions, trade-offs and longer-term strategy.
• Taking senior-level operational ownership of card-related performance, incidents and delivery trade-offs to ensure strong customer outcomes and platform reliability.
• Manage key vendor relationships with our card spend partners.

What you’ll bring to the team

• Extensive experience owning and evolving complex, customer-facing products end-to-end, from strategy and discovery through to delivery and optimisation.
• Experience working on card spend, card payments or transaction-based products, with accountability for engagement, usage or growth outcomes.
• Proven experience managing external vendor partnerships - bonus if it's in the card spend space!
• Demonstrated experience leading or delivering projects where AI or intelligent automation enhanced payment, spend or financial decision-making experiences for customers.
• Strong commercial and analytical capability, with confidence using data to influence strategy, prioritisation and senior stakeholder decisions.
• Proven ability to operate in ambiguous and emerging problem spaces, including agentic commerce and AI-enabled product experiences.
• Advanced stakeholder management skills, with the ability to align engineering, design, data, risk and commercial partners around shared outcomes.
• 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.

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