Senior Risk Analyst

• Experienced Senior Risk Analyst proficient in SQL, Python, or PySpark
• 3-5+ years of analytics experience working as a risk/data analyst in Credit or Fraud Risk or Collections
• 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 Risk team at Zip, where we focus on ensuring the success and profitability of portfolio. Our team leverages analytics to manage exposure, improve customer engagement, and continually manage fraud strategies. Simply put, we work to improve existing customer usage while minimizing losses.

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 high-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 financial services or lending industry is a must-have.
• 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.
• Growth mindset and eagerness to apply AI tools to streamline workflows and improve day-to-day efficiency
• 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 a fast pace and embrace change. 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
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

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 - 120,000. This range reflects our US national compensation band (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 commission 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.

#LI-Remote

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

We are a proud 2025 Circle Back initiative employer and will respond to every applicant.