Senior Risk Analyst

Experienced Risk Manager proficient in credit, model and fraud risk 2nd Line oversight 8+ years of risk analytics experience working in Credit/ Model/ Fraud Risk Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office Start your adventure with Zip We’re hiring a Credit, Model & Fraud Risk Oversight Lead to strengthen and scale our second-line risk governance across our U.S. portfolio. As our business evolves in complexity and reach, this role will play a mission-critical part in strengthening oversight, surfacing emerging risk exposures, and ensuring our decisions stand up to regulatory expectations, bank partner scrutiny, and our own high bar for trust. Through independent second-line challenge and oversight, you’ll shape how we evaluate creditworthiness, model integrity, and fraud patterns across new products and customer segments, enabling Zip to grow responsibly while protecting our customers and partners. If you thrive on translating data into risk insights and influencing decisions at scale, this is your opportunity to help us build a future-ready risk culture that fuels innovation instead of slowing it down. Interesting problems you’ll get to solve Lead the improvement and execution of the second line oversight framework for credit, model, and fraud risk across Zip’s U.S. portfolio Review and challenge first line risk strategies related to underwriting, credit policy, and fraud prior to submitting them to bank partners Provide effective oversight of model risk management practices, including model validation, inventory, and governance Evaluate credit and fraud risk exposures across new products, customer segments, or market changes, developing risk recommendations for senior stakeholders. Identify emerging credit and fraud threats and provide leadership with clear actionable insights Partner with relevant stakeholders to investigate credit/ model/ fraud related incidents and/or policy violations and ensure appropriate remediation actions are in place Collaborate with Legal, Compliance, Credit Risk and Product to ensure risk decisions align with regulatory expectations and firm's risk appetite Analyze and communicate on key risk indicators, portfolio trends, and breaches against defined limits Contribute to credit risk governance reporting, Bank Partner's requirements and audit readiness. Strengthen Zip’s risk governance by recommending and implementing enhancements to policies, standards, and cross-functional communication processes Stay ahead of industry trends, fraud tactics, best practices and regulatory developments to continuously refine oversight Exercise independent judgment within the second-line mandate, escalating matters involving material risk-appetite breaches, significant regulatory concerns, or decisions requiring executive or committee approval. Apply approved AI tools and technologies to streamline risk analysis, enhance fraud detection insights and improve efficiency of second-line oversight, while exercising appropriate judgement of over their use. What you’ll bring to the team 8+ years of experience in Credit, Model and Fraud Risk, with a track record in building risk oversight framework and analyzing risk data. Advanced SQL skills and deep comfort working hands-on with large complex datasets to uncover risk insights. Proven experience as a senior risk or data analyst, ideally within the finance, fintech or lending space. A data-driven mindset with a bias for action; You're not just analyzing the numbers, you're influencing decisions that drive business impact. A natural curiosity and willingness to challenge assumptions and status quo, paired with sound judgment and analytical rigor. Excellent written and verbal communication skills, with the ability to translate technical concepts for diverse audiences. Familiarity with AI tools and a pragmatic understanding of how to apply them in day-to-day work; Whether streamlining analysis, improving fraud detection, or elevating oversight efficiency. You embrace working in an AI-powered environment, and are proactive in exploring how emerging technologies can enhance risk processes and decision-making. Comfort operating in fast-paced, iterative environments where priorities shift and ambiguity is the norm. A values-driven approach: Customer First, Own It, Stronger Together, and Change the Game are more than just words to you. 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 PTO every year Generous paid parental leave Leading family support policies 100% employer covered insurance Beautiful Union Square 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 $132,000 - $165,000 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. 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 Before you apply, give Zip a try -> rebrand.ly/check-zip-out