Senior Product Designer I

• Lead the end-to-end design of product enhancements within the repayments space for the platform across app and web that allows users to make purchases, split them into installments and manage their repayments. 
• Your approach will be centered around managing AI tools thoughtfully and help define how we use AI to research, prototype, validate, ship and scale product experiences.
• Embody best-in-class product design through the ability to deploy robust technical skills, effective collaboration, clear communication and a genuine growth mindset.
• Remote-first opportunity for US-based employees with the option to work in-person out of our NYC Manhattan office.

Start your adventure with Zip 

We are Zip, a global Buy Now, Pay Later company providing fair and seamless solutions that simplify how millions of people pay.

Our purpose is unlocking financial potential, together. Our mission is to bring exceptional experiences, innovation, and partnership to every financial journey. We put the financial well-being of our customers and merchant partners at the heart of everything we do.

As we evolve, AI is not just a product capability. It is a force multiplier for how we design, test, and deliver better outcomes.

In this role, you will act as an active contributor to AI adoption within Product Design and cross-functional teams. You will identify where AI accelerates insight, reduces operational friction, and increases design quality. You will experiment, implement, and scale new workflows.

You will work across the stack, partnering with Product, Engineering, Data, Risk, and Compliance to ensure AI tools are used responsibly and effectively in discovery, experimentation, and execution.

This is not a passive contributor role. We are looking for someone who:

• Identifies inefficiencies and proposes AI-enabled solutions
• Builds confidence in new workflows with PM and Engineering partners before scaling them
• Notices overlap or dependencies across initiatives and escalates alignment conversations
• Implements change, not just suggests it

Interesting problems you’ll get to solve

• Architect intuitiveness and flexibility in user repayment journeys across mobile app and web platforms, catering to varied customer payment behaviors.
• Design seamless experiences for payment rescheduling, early payoff options, and automated reminder structures.
• Integrate AI-driven insights directly into the repayment interface to proactively highlight payment schedule options and offer personalized financial assistance.
• Collaborate with Risk, Compliance, and Finance teams to ensure repayment interactions remain transparent, compliant, and supportive of long-term financial health.
• Redesign the design workflows using approved AI tools to accelerate research synthesis, ideation, and validation
• Create repeatable AI-assisted frameworks for rapid prototyping and experimentation
• Contribute to and apply best practices for AI-supported discovery, including insight generation and hypothesis development
• Improve how we measure design impact by leveraging AI for pattern detection and signal extraction
• Embed AI into cross-squad collaboration, enabling faster scoping and clearer trade-offs
• Explore multiple design directions quickly using AI-assisted tools, then articulate trade-offs clearly
• Identify where AI reduces manual effort in documentation, edge-case mapping, and system thinking
• Build scalable processes within established responsible AI-use frameworks in regulated financial environments
• Document complex user journeys and systems clearly and onboard others into AI-enabled workflows
• Participate in roadmapping and planning conversations, ensuring AI-driven efficiencies are factored into delivery models
• Address post-launch issues by leveraging AI to analyze feedback and surface improvement opportunities
• Help other designers and writers grow through skill shares and feedback on AI-assisted craft
• Suggest and implement improvements to team culture and rituals that normalize experimentation

What you’ll bring to the team

• A portfolio demonstrating systems thinking and measurable impact, not just polished screens
• 5+ years of experience designing at scale in product, UX, or interaction design
• Experience working on complex, multi-product ecosystems with cross-functional dependencies
• Demonstrated ability to frame work within long-term product strategy while independently owning execution
• Strong ability to interpret metrics and make data-informed decisions
• Experience leading lean experiments and validating hypotheses quickly
• Comfort exploring a breadth of options and articulating trade-offs clearly
• Experience documenting complex systems and onboarding others effectively
• Strong storytelling and presentation skills, with clear and concise written communication
• A clear, predictable design process that partners can rely on
• Ability to manage bandwidth and surface risks early
• An open mindset toward change, actively seeking opportunities to expand your skills
• Experience incorporating AI-powered tools thoughtfully into research, prototyping, documentation, or design operations
• A pragmatic understanding of how your work contributes to business outcomes and customer financial well-being
• Our values in your DNA: Customer First, Own It, Stronger Together, and Change the Game

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. 

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $134,000 - $150,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits. 

*Please note that visa sponsorship is not available for this position.

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

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-centered 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.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote

Before you apply, give Zip a try   -> rebrand.ly/check-zip-out