Senior Risk Analyst

• 3-5+ years of analytics experience working as a risk/data analyst in Credit or Fraud Risk or Collections
• A strong analytical mind with a keen eye for proactively identifying the reports, dashboards, and analysis needed by the business
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip 

Join our Core Product team at Zip, where we focus on ensuring the success and profitability of our Pay-in-4 product. Our team ensures appropriate spending power allocation for custo

mers while managing repayment plans effectively. We also continue to optimize the customer sign-up funnel to enhance user experience and increase conversions. Additionally, we take ownership of product profitability, constantly refining pricing strategies to align with market demands and customer needs. If you're passionate about optimizing products and driving profitability in a dynamic fintech environment, this team is the place to be.

As a Senior Risk Analyst, you'll spearhead the analytics for initiatives to enhance our Repayments and Collections strategies and optimize the associated costs through innovative solutions and A/B testing. Your role involves leveraging advanced analytics to drive actionable insights and develop go-to-market strategies. You'll monitor performance metrics, stay abreast of industry trends, and collaborate closely with stakeholders to drive strategic initiatives. With ownership over Risk governance and analytics, you'll thrive in a collaborative environment where end-to-end ownership is key.

Interesting problems you’ll get to solve

• Lead the analytics on initiatives to improve repayment rates in the short term and long term; and optimize costs.  
• Develop insights capabilities to monitor performances and proactively identify trends and anomalies.
• Optimize Zip’s external debt collections strategy, monitor agency performance and work closely with the vendors. 
• Enjoy end to end ownership of your analytics and get the chance to work in an exceptionally collaborative environment.
• Partner closely with key stakeholders across the organization to drive high visibility strategic initiatives.

 

What you’ll bring to the team 

• 3-5+ years of experience in Credit or Fraud Risk or Collections, with expert SQL skills and a passion for analyzing data in the Risk domain.
• Proven analytics experience working as a risk/data analyst. Prior experience in the finance or lending industry preferred.
• You are data-driven, eager to understand the numbers and provide meaningful insights. You can influence decision makers with a proactive approach to drive results and improvements across the business.
• Advanced knowledge of SQL is a must, knowledge of Python or PySpark is preferred. Experience on data visualization tools like Tableau or PowerBI is a plus.
• You have strong written and verbal communication skills with the ability to adapt to different audiences.
• You are self-organized with the ability to operate independently and prioritize effectively.
• You enjoy working in a fast-paced environment where competing priorities and ‘test and learn’ based iterations are the norm.

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
• 20 days of PTO every year
• Generous paid parental leave
• Leading family support policies
• 100% employer covered insurance
• Beautiful Midtown office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

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 $108,000- $156,00 USD This range reflects our US national compensation (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 equity awards, in addition to a full range of medical, financial, and/or other benefits. 

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 that bring customers and merchants together.

Operating in two core markets - Australia and New Zealand (ANZ) and the Americas, Zip offers 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

 

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

Zip participates in the federal government’s E-Verify program