[Hiring] Senior Partner, Credit, Model & Fraud Risk Oversight @Zip Co Limited

Role Description

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, enhance fraud detection insights and improve efficiency of second-line oversight, while exercising appropriate judgement of over their use.

Qualifications

• 8+ years of experience in Credit, Model and Fraud Risk, with a track record in building risk oversight framework and analyzing risk data.
• Advanced SQL skills and deep comfort working hands-on with large complex datasets to uncover risk insights.
• Proven experience as a senior risk or data analyst, ideally within the finance, fintech or lending space.
• A data-driven mindset with a bias for action; influencing decisions that drive business impact.
• A natural curiosity and willingness to challenge assumptions and status quo, paired with sound judgment and analytical rigor.
• Excellent written and verbal communication skills, with the ability to translate technical concepts for diverse audiences.
• Familiarity with AI tools and a pragmatic understanding of how to apply them in day-to-day work.
• Comfort operating in fast-paced, iterative environments where priorities shift and ambiguity is the norm.
• A values-driven approach: Customer First, Own It, Stronger Together, and Change the Game.

Benefits

• 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.