Credit, Model & Fraud Risk Oversight Lead (Remote)

Zipcolimited; United States; On-site; USD 132,000 - 165,000; Full time

Benefits offered by this job

Flexible working culture

Incentive programs

20 days PTO

Paid parental leave

401k match

Job summary

Zip Co Limited is seeking a Credit, Model & Fraud Risk Oversight Lead to strengthen and scale our second-line risk governance across the U.S. portfolio. This role drives oversight of credit, model, and fraud risk, surfacing emerging exposures, and ensuring regulatory alignment and partner scrutiny.

You’ll translate data into risk insights and influence decisions at scale. The position emphasizes independent judgment within the second-line mandate and collaboration with Legal, Compliance, Credit

Qualifications

• 8+ years in Credit, Model and Fraud Risk with oversight experience.
• Advanced SQL skills and experience with large datasets.
• Ability to translate risk data into actionable insights.
• Strong communication and stakeholder management.

Responsibilities

• Lead second-line oversight framework for credit, model, and fraud risk in the US portfolio.
• Review first-line risk strategies before bank partner submission.
• Oversee model risk management practices, including validation and governance.
• Develop risk recommendations for senior stakeholders.
• Identify emerging threats and provide insights.
• Collaborate with Legal, Compliance, Credit Risk and Product on risk decisions.
• Analyze key risk indicators and portfolio trends.
• Support risk governance reporting and audits.
• Advise on policy enhancements and cross-functional communication.
• Stay ahead of fraud trends and regulatory developments.
• Apply approved AI tools to streamline risk analysis.

Skills

Risk management

Credit risk

Model risk

Fraud risk

Second-line oversight

SQL

Tools

SQL

Job description

Zip Co Limited is seeking a Credit, Model & Fraud Risk Oversight Lead to strengthen and scale our second-line risk governance across the U.S. portfolio. This role drives oversight of credit, model, and fraud risk, surfacing emerging exposures, and ensuring regulatory alignment and partner scrutiny.

You’ll translate data into risk insights and influence decisions at scale. The position emphasizes independent judgment within the second-line mandate and collaboration with Legal, Compliance, Credit