Senior Credit Analyst

• Experienced Analyst proficient in SQL, Python, or PySpark
• 3-5+ years of analytics experience working as a risk/data analyst in Credit or 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 

Join our Customer Management 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, youll spearhead initiatives that manage Credit and Fraud Risk with existing customers. Your role involves leveraging advanced analytics to drive actionable insights and develop go-to-market strategies. Youll monitor performance metrics, analyze and optimize strategies, and collaborate closely with stakeholders.

Interesting problems you’ll get to solve

• • Members of this team are expected to own a component of Customer Management Risk - this means you will understand the end-to-end customer journey, you will own related analytics and the iterative path towards optimization, examples of efforts you may own:
    • Fraud strategies (transaction approvals, account takeover)
    • Spending power (line) increases for existing customers to drive incremental transaction volume
    • Spending power (line) decrease strategy to mitigate losses

What you’ll bring to the team 

• 3-5+ years of experience in Credit or Fraud Risk, 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, and then translate those insights into customer focused strategies that maximize profitability while minimizing losses. 
• 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 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 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

The Pay Range for this position: $108,000.00  - $156,000.00 USD based on the industry benchmark for position, function, level and Zips compensation strategies. However, actual base salary will depend on varying circumstances and individualized factors, such as job-related knowledge, skills, experience, and other objective business considerations. 

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-centred 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

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