Remote Senior Risk Oversight Lead — Credit, Model & Fraud

Zip Co; United States; Remote; USD 132,000 - 165,000; Full time

Benefits offered by this job

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 1

Learning and wellness subscription

401k match

Job summary

Zip is hiring a Credit, Model & Fraud Risk Oversight Lead to strengthen second-line governance across our U.S. portfolio. You will steward risk oversight for credit, models, and fraud, surface emerging exposures, and ensure decisions meet regulatory expectations and partner scrutiny.

You’ll shape how we evaluate risk, validate models, and respond to changes in products and markets, driving trust and responsible growth. This role blends data-driven insights with strategic influence.

Qualifications

• 8+ years of experience in Credit, Model and Fraud Risk.
• Proven track record building risk oversight frameworks.
• Ability to translate data into risk insights for decisions.

Responsibilities

• Lead second-line oversight for credit, model, and fraud risk across US portfolio.
• Review first-line risk strategies before bank partner submissions.
• Oversee model risk management, validation, inventory, and governance.
• Develop risk recommendations for senior stakeholders on new products.
• Identify emerging threats and provide actionable insights.

Skills

Credit risk

Model risk

Fraud risk

Advanced SQL

Data analytics

Risk governance

Stakeholder communication

AI tools familiarity

Tools

SQL

AI tools

Job description

Zip is hiring a Credit, Model & Fraud Risk Oversight Lead to strengthen second-line governance across our U.S. portfolio. You will steward risk oversight for credit, models, and fraud, surface emerging exposures, and ensure decisions meet regulatory expectations and partner scrutiny.

You’ll shape how we evaluate risk, validate models, and respond to changes in products and markets, driving trust and responsible growth. This role blends data-driven insights with strategic influence.