Senior Analyst, Credit Risk - United States

Experienced Analyst with 2–5+ years in consumer credit, proficient in SQL and Python or PySpark. Experience across credit risk measurement, forecasting, pricing, unit economics, and credit policy · Own end-to-end credit insights that inform underwriting, pricing, and product stra ...

Job description

• Experienced Analyst with 2–5+ years in consumer credit, proficient in SQL and Python or PySpark. Experience across credit risk measurement, forecasting, pricing, unit economics, and credit policy
• Own end-to-end credit insights that inform underwriting, pricing, and product strategy, translating data into decisions that drive growth and portfolio health
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

As a Credit Risk Analyst at Zip, you will play a key role in how we assess, price, and scale consumer credit particularly across Cash Flow Intelligence initiatives and emerging products like Cash Advance. This role is designed for someone who thrives in an autonomous, fast-moving environment and can own problems from definition through execution.

You will partner closely with Product, Engineering, Treasury, and Finance to translate data into action, balancing customer-first outcomes with disciplined risk management. Your work will directly inform product launches, credit policy decisions, and monetization strategy.

A core part of this role is communicating complex analytical work with clarity. You will regularly present insights, recommendations, and trade-offs to senior stakeholders across Product, Finance, and Credit, tailoring your message to both technical and non-technical audiences.

Interesting problems you'll get to solve

• Develop and iterate on credit underwriting strategies using traditional and alternative data sources, including cash flow data
• Build and maintain unit economics and valuation models to inform pricing, underwriting, targeting, and capital allocation decisions
• Own credit policy development and implementation, from analytical rationale through operational rollout
• Design, execute, and interpret live tests across product features, pricing, and customer acquisition strategies
• Partner with Treasury, FP&A, Marketing, Engineering, and external stakeholders such as data providers and capital partners to deliver credit initiatives
• Advance portfolio monitoring and loss forecasting capabilities, including stress testing and forward-looking scenarios
• Apply AI-assisted analytics and modeling techniques to accelerate insight generation while maintaining explainability and risk discipline
• Identify opportunities to automate or scale credit decisioning processes without compromising customer outcomes
• Independently prioritize workstreams across competing initiatives, balancing near-term business needs with long-term portfolio health

What you'll bring to the team

• 2-5+ years of experience in a credit risk or analytics role with expert SQL skills within a consumer credit business (e.g., credit cards, installment lending, BNPL, purchase finance, earned wage access)
• Bachelor's degree required; preference for quantitative fields such as engineering, mathematics, economics, finance, or related disciplines
• Advanced hands-on experience and knowledge with data tools such SQL, Python, Excel, R, SAS, PySpark. Experience on data visualization tools like Tableau is a plus.
• Working knowledge of consumer credit underwriting and credit policy concepts
• Demonstrated experience partnering with non-technical stakeholders, influencing analytical direction, and translating ambiguous questions into clear, data-driven answers.
• Excellent written and verbal communication skills, with the ability to clearly explain insights, assumptions, and limitations to both technical and business audiences.
• Practical experience using AI-enabled tools or workflows to support analysis, decision-making, or modeling, with a clear understanding of limitations and governance considerations

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
• 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

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base Pay Range for this position is $116,000 - $145,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission 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. "#LI-Remote"

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