Senior Risk Analyst, Credit Risk



Senior Risk Analyst, Credit Risk 

  • You should have worked as a Senior Risk Analyst, with expert SQL skills and experience in credit risk analysis. 
  • Enjoy end to end ownership of your analytics and get exposure to a wide variety of challenges that you might not get at a bigger organisation.
  • Ability to work flexibly, with two team-connect days in office each week.

Write your story with Zip

When you join Zip’s Risk team, you will be putting your name to a variety of business-critical initiatives attached to our ANZ strategy, including uplifting our credit risk management, fraud control and credit decisioning capabilities.

With a broad remit across credit risk strategy and decisioning, forecasting, portfolio analytics and controls monitoring, our Risk Management & Data Science team is a key strategic interface between the business and a varied range of both internal and external stakeholders. 

Working with world-class platforms and given the freedom to experiment and uplift your analytical and modelling capabilities, you’ll be a part of a flat structure and a close-knit team responsible for improving the commercials related to arrears and repayments.

Interesting problems you’ll get to solve

  • Leading the design, implementation, monitoring and management of Collection strategies to mitigate credit losses by testing and assigning appropriate treatments to delinquent accounts
  • Drive continuous improvement in collection strategy effectiveness with focus on incremental profitability (i.e. losses avoided less cost to collect including incentives).
  • Ensuring all credit risks associated with collections are understood and quantified with effective reporting, across all components of collections (People, Data, Process, Technology, Strategy, Control Quality and External Collectors)

What you’ll bring to the team

Zipsters work on a broad range of initiatives, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow. 

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

  • Proven experience working as a risk/ data analyst, ideally working across unsecured lending products
  • Ability to influence decision makers with data, proactive approach to drive results and improvements across credit risk.
  • Solid SQL skills
  • Exposure to solving problems in the collections space is highly regarded
  • Experience delivering data visualisation dashboards across business critical insights (we use Tableau).
  • Experience using DBT would be great but not an absolute requirement as we will help you learn!
  • Team player, enthusiasm for learning new tech and jumping into a diverse range of projects

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, 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:

  • 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
  • 2 days paid volunteering leave per year
  • Fee-free Zip products, and discounts with Zip merchant partners (AU)
  • Team social events, epic offices, free breakfast daily, and weekly free lunches (Sydney and Melbourne)

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 is a global ‘Buy Now, Pay Later’ company that gives our millions of customers simpler and fairer ways to pay. 

We are proud to be a global business built around our US and ANZ core markets working with merchant partners including Amazon, Best Buy, eBay and Uber. United by our mission, purpose and values - Customer First, Own It, Stronger Together & Change The Game - we are the next generation of payments, helping people across the globe to fearlessly take control of their financial future.

We are Zip, and we are just getting started.

We are a proud 2024 Circle Back initiative employer and will respond to every applicant.

  • Melbourne
  • Full-Time
  • Legal, Risk & Compliance
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