[Hiring] Senior Risk Analyst @Zip Co Limited

Role Description

As a Senior Risk Analyst at Zip, you’ll use data to directly shape how we improve repayment outcomes and evolve our collections strategy. You’ll take end-to-end ownership of high-impact analytics, turning complex data into clear insights and recommendations that improve repayment rates, optimize collection costs, and help the business identify emerging risks and opportunities.

• Lead the analytics on initiatives to improve repayment rates in the short term and long term and optimize collection costs.
• Develop insights capabilities to monitor performance and proactively identify trends, anomalies, and emerging risks.
• Identify optimization opportunities in Zip’s external debt collections strategy, monitor agency performance and work closely with the vendors.
• Enjoy end-to-end ownership of your analytics and work in an exceptionally collaborative environment.
• Partner closely with key stakeholders across the organization to drive high visibility strategic initiatives.
• Identify and drive opportunities to leverage AI to improve collections decision-making, automate insights, and optimize customer and business outcomes.

Qualifications

• 5+ years of experience in Credit Risk, Fraud Risk, or Collections, with expert SQL skills and a passion for analyzing data in the Risk domain.
• Candidates with 3+ years of relevant experience and an advanced degree may also be considered based on the depth and relevance of their experience.
• Proven analytics experience working as a risk/data analyst. Prior experience in the finance or lending industry preferred.
• 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.
• Strong written and verbal communication skills with the ability to adapt to different audiences.
• Self-organized with the ability to operate independently and prioritize effectively while using sound judgment and engaging senior stakeholders at key decision points.
• Enjoy working in a fast-paced environment where competing priorities and ‘test and learn’ based iterations are the norm.

Requirements

• Data-driven, eager to understand the numbers and provide meaningful insights.
• Ability to influence decision makers with a proactive approach to drive results and improvements across the business.
• Growth mindset and eagerness to apply AI tools to streamline workflows and improve day-to-day efficiency.

Benefits

• 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.
• Transparent pay structure with an annual base pay range of $116,000 - $140,000.