Senior Data Analyst, Credit Risk

• You should have worked in a technical role, with expert SQL skills and a passion for analysing data in the credit risk domain.
• Individual contributor role where you will have full ownership of your analytics and get exposure to a wide variety of challenges that you might not get at a bigger organisation.
• Ability to work flexibly, with two team-connect days in the office each week.

Write your story with Zip

When you join Zip’s Risk team, you will be putting your name to a variety of business-critical initiatives attached to our ANZ strategy, including uplifting our credit risk management, fraud control and credit decisioning capabilities.

With a broad remit across credit risk strategy and decisioning, forecasting, portfolio analytics and controls monitoring, our Risk Management & Data Science team is a key strategic interface between the business and a varied range of both internal and external stakeholders. 

Working with world-class platforms and given the freedom to experiment and uplift your analytical and modelling capabilities, you’ll be a part of a flat structure and a close-knit team responsible for improving the commercials related to arrears and repayments.

Interesting problems you’ll get to solve

• Complete scorecard model review, including monitoring and establishment of a governance framework
• Assess portfolio performance through trend analysis of key metrics such as revenue, profitability, and arrears rate
• Take ownership of a broad remit, covering the full end to end analytics cycle across your credit risk analytics portfolio
• Provide insights and recommendations to executive management
• Work closely with the broader business to achieve key outcomes on credit risk initiatives. 

What you’ll bring to the team

Zipsters work on a broad range of initiatives, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow. 

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

• Proven experience working as a risk/ data analyst, ideally working across unsecured lending products
• Ability to influence decision makers with data, proactive approach to drive results and improvements across credit risk.
• Solid SQL skills
• Exposure to solving problems in the collections space is highly regarded
• Experience delivering data visualisation dashboards across business critical insights (we use Tableau).
• Experience using DBT would be great but not an absolute requirement as we will help you learn!
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA: Customer First, Own It, Stronger Together and Change the Game

What you’ll get in return

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands-on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.  

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• 25 days paid leave annually, including birthday leave and quarterly wellbeing days
• 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
• Family support policies including miscarriage bereavement leave and domestic violence leave
• Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our EAP service Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave per year
• Fee-free Zip products, and discounts with Zip merchant partners (AU)
• Team social events, epic offices, free breakfast daily, and weekly free lunches (Sydney and Melbourne)

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 that bring customers and merchants together.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, 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.

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