Senior Data Analyst, Credit Risk

Senior Data Analyst, Collections

• You should have worked as a data analyst with exposure to Credit risk & expert SQL skills - bonus points for experience in Collections analytics! 
• Enjoy end to end 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 office each week.

Write your story with Zip

When you join Zip’s Credit Risk Data 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

• Leading the design, implementation, monitoring and management of Collection strategies to mitigate credit losses by testing and assigning appropriate treatments to delinquent accounts
• Drive continuous improvement in collection strategy effectiveness with focus on incremental profitability (i.e. losses avoided less cost to collect including incentives).
• Ensuring all credit risks associated with collections are understood and quantified with effective reporting, across all components of collections (People, Data, Process, Technology, Strategy, Control Quality and External Collectors)

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!
• Team player, enthusiasm for learning new tech and jumping into a diverse range of projects

What you'll bring to the team

• 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.

#LI-Hybrid