Senior Risk Analyst

Zip Pay; New York (NY); Hybrid; USD 108,000 - 130,000; Full time

Job summary

Join a dynamic fintech company as a Senior Risk Analyst, where you'll leverage your expertise in SQL and advanced analytics to drive impactful strategies in Credit and Fraud Risk. This remote-first role offers the flexibility to work from anywhere in the US or in-person at the Manhattan office. You will take ownership of innovative data sourcing and A/B testing, ensuring product profitability and enhancing customer experiences. With a focus on collaboration and strategic initiatives, this position is perfect for those eager to make a significant impact in a fast-paced environment.

Benefits

Flexible working culture

Incentive programs

20 days PTO

Generous paid parental leave

100% employer covered insurance

Learning and wellness subscription stipend

Company-sponsored 401k match

Qualifications

• 3-5+ years of experience in Credit or Fraud Risk.
• Expert SQL skills with a passion for data analysis.

Responsibilities

• Own and optimize the IDV & Fraud Risk strategy.
• Lead A/B testing initiatives for risk management.

Skills

SQL

Python

PySpark

Data Analysis

A/B Testing

Education

Bachelor's Degree in Finance or related field

Tools

Tableau

PowerBI

Job description

• Experienced Senior Risk Analyst proficient in SQL, Python, or PySpark
• 3-5+ years of analytics experience in Fraud or Credit Risk strategy/analytics
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

Join our Core Product team at Zip, where we focus on ensuring the success and profitability of our Pay-in-4 product. Our team ensures appropriate spending power allocation for customers while managing repayment plans effectively. We also continue to optimize the customer sign-up funnel to enhance user experience and increase conversions. Additionally, we take ownership of product profitability, constantly refining pricing strategies to align with market demands and customer needs. If you're passionate about optimizing products and driving profitability in a dynamic fintech environment, this team is the place to be.

As a Senior Risk Analyst, you'll own and enhance the new customer Identity/Fraud Risk strategy, and spearhead initiatives for overall Credit & Fraud Risk management through innovative data sourcing and A/B testing. Your role involves leveraging advanced analytics to drive actionable insights and develop go-to-market strategies. You'll monitor performance metrics, stay abreast of industry trends, and collaborate closely with stakeholders to drive strategic initiatives. With ownership over Risk strategy and analytics, you'll thrive in a collaborative environment where end-to-end ownership is key.

Interesting problems you’ll get to solve

• Own and optimize the portfolio level IDV & Fraud Risk strategy in the underwriting stage.
• Take ownership of conducting both offline and live A/B tests for new data and solutions against the current strategy.
• Lead development and implementation of go-to-market risk management strategies to effectively integrate new data and solutions into the business.
• Develop insights capabilities to monitor performances and proactively identify trends and anomalies.
• Lead initiatives to source new data and innovative solutions to enhance our current Credit and Fraud Risk management capabilities.
• Perform advanced analytics and leverage best practices to achieve statistically significant results leading to actionable outcomes.
• Stay updated on industry trends and best practices in the Risk domain.
• Partner closely with key stakeholders across the organization to drive high visibility strategic initiatives.
• Own Risk governance documentations including credit policies and procedures.
• Enjoy end to end ownership of your analytics and get the chance to work in an exceptionally collaborative environment.

What you’ll bring to the team

• 3-5+ years of experience in Credit or Fraud Risk, with expert SQL skills and a passion for analyzing data in the Risk domain.
• Proven analytics experience working as a risk/data analyst. Prior experience in the finance or lending industry preferred.
• You are data-driven, eager to understand the numbers and provide meaningful insights. You can influence decision makers with a proactive approach to drive results and improvements across the business.
• Advanced knowledge of SQL is a must, knowledge of Python or PySpark is preferred. Experience on data visualization tools like Tableau or PowerBI is a plus.
• You have strong written and verbal communication skills with the ability to adapt to different audiences.
• You are self-organized with the ability to operate independently and prioritize effectively.
• You enjoy working in a fast-paced environment where competing priorities and ‘test and learn’ based iterations are the norm.

What you’ll get in return

• 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

ThePay Range for this position: 108,000.00 - $130,000 USD based on the industry benchmark for position, function, level and Zip's compensation strategies. However, actual base salary will depend on varying circumstances and individualized factors, such as job-related knowledge, skills, experience, and other objective business considerations.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.

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.

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 ourZip Applicant and Candidate Privacy Noticeand authorize Zip to process your data subject to those terms

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We are a proud 2025 Circle Back initiative employer and will respond to every applicant.