Sr. Partner, Credit, Model & Fraud Risk Oversight

The posting, as Zip Co Limited wrote it

• 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, e

[…]
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