Job Description

We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don't like about finance and does the opposite. We're redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre - we've built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at !
We're incredibly proud of our achievements and none of it would be possible without the amazing team here. It's not just industry awards we're winning, we've also been named in the top three UK's Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you'll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife
Shape the Future of Risk with Smart Controls!
Are you excited about the power of automation, AI, and smart control design in transforming operational risk? We're looking for a forward-thinking Controls Manager to strengthen our lending business by enhancing our risk and control framework, embedding efficiency, and enabling sustainable growth.
In this role, you'll play a central part in improving how we manage operational risk, designing smart, proportionate controls that are powered by automation and AI. You'll work closely with stakeholders across the business to support change initiatives, drive innovation in control design, and ensure Zopa continues to operate within its risk appetite, efficiently and effectively.
A day in the life:

• Design Smart Controls: Create and uplift automated, scalable controls that are efficient, sustainable, and reduce reliance on manual workarounds.
• Risk Framework Evolution: Help shape a modern, dynamic operational risk and control framework aligned with lending and credit analytics functions.
• Change Support: Provide risk oversight for product and business change, identifying control gaps and working cross-functionally to deliver effective solutions.
• Control Assessment & Governance: Lead risk and control self-assessments (RCSAs), support control testing, and manage issue/action tracking.
• Stakeholder Collaboration: Work across all three lines of defence to ensure controls are understood, adopted, and deliver measurable impact.

About you:

• You're passionate about control design, with an interest in automation and AI-first thinking.
• You have extensive experience in operational risk or controls in a regulated consumer credit environment.
• A strong communicator and collaborator, able to challenge constructively and drive consensus on risk decisions.
• Can apply a data-led, outcome-oriented approach to control effectiveness and design.
• You thrive in fast-paced, evolving environments and balance structure with agility.
• Possess a good understanding of the UK regulatory environment and actively keep your knowledge current.

#LI-LK
We're on the move!
Towards the end of 2025 Zopa will be relocating to a brand-new headquarters at 20 Water Street in Canary Wharf. The 44,000 square foot workspace will foster collaboration and inspire creativity for our 900 employees amidst our 2025 growth blitz.
At Zopa we value flexible ways of working.
We value face-to-face collaboration and a good work-life balance. 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!* But no matter where you are, we'll make sure you've got everything you need to thrive, both in your work and home life, from day one.
*Subject to having the right to work in the country of choice
Diversity Statement
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.