Product Lead - Onboarding

ZEN.COM

ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN.COM, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees. Currently we are seeking a professional to join us as Product Lead - Onboarding. You will own and drive the end-to-end onboarding and identity journey across ZEN.COM products. This role sits at the intersection of Product, Financial Crime, Risk, and Engineering, with full responsibility for building product-led, scalable, and compliant onboarding experiences. Your mission will be to be hands on and maximize conversion and user experience while ensuring robust KYC/KYB and financial crime controls. You will define the product vision, roadmap, and execution for onboarding and identity solutions used across payments and e-commerce products. This is a senior, hands-on product leadership role with real ownership and impact.

Requirements

• Ability to shape the broader picture while remaining hands-on in designing and improving Onboarding Process Workflows.
• Proven experience as a Product Lead (Onboarding) in fintech, payments, neobank, or e-money environments.
• Strong background in onboarding, KYC/KYB, AML, fraud, or financial crime, embedded directly in product.
• Demonstrated ownership of product-led onboarding journeys at scale.
• Experience working closely with engineering, data, and risk teams to build automated decisioning and verification solutions.
• Solid understanding of fintech regulations and financial crime requirements and how to translate them into product design.
• Data-driven mindset with hands-on experience defining and tracking product KPIs.
• Excellent leadership, communication, and cross-functional collaboration skills.
• Fluency in English.
• Experience in payments and e-commerce products.
• Hands-on exposure to onboarding, fraud, or identity tooling and vendors.
• Experience scaling onboarding in high-growth fintech environments.

Responsibilities

• Product Strategy & Vision: Define and execute the product strategy and roadmap for onboarding, KYC/KYB, and identity verification. Own the end-to-end onboarding journey, balancing growth, conversion, and financial crime risk. Translate regulatory, risk, and business requirements into scalable, product-led solutions.
• Product Development & Delivery: Lead the full product lifecycle from discovery and design through development, launch, and optimization. Partner closely with Engineering, Data, UX/UI, Risk, Compliance, and Operations to deliver high-impact solutions. Drive automation, decisioning, and straight-through onboarding wherever possible.
• Financial Crime & Risk in Product: Embed AML, sanctions, fraud prevention, and transaction monitoring considerations directly into product design. Own onboarding-related risk metrics, thresholds, and decision frameworks. Continuously improve controls while minimizing user friction.
• User Experience & Optimization: Optimize onboarding flows using data, experimentation, and user research to improve conversion, time-to-onboard, and approval rates. Monitor drop-offs, false positives, and fraud indicators, and drive continuous improvement. Champion a best-in-class onboarding experience across web and mobile.
• Leadership & Stakeholder Management: Build, lead, and develop a high-performing product team focused on onboarding and identity. Act as a senior stakeholder for onboarding across the organization. Communicate product performance, risks, and opportunities to senior leadership.