Senior Data Analyst, Credit Risk

• Experience in credit risk analytics, ECL and loss forecasting experience, alongside SQL skills and the confidence to influence senior stakeholders
• Own and shape Zip’s ECL and loss forecasting processes, turning complex credit risk data into insights that influence important business decisions
• Work flexibly in a hybrid role from our Sydney or Melbourne office
• Experience in credit risk analytics, ECL and loss forecasting experience, alongside SQL skills and the confidence to influence senior stakeholders
• Own and shape Zip’s ECL and loss forecasting processes, turning complex credit risk data into insights that influence important business decisions
• Work flexibly in a hybrid role from our Sydney or Melbourne office

Write your story with a career at Zip

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 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.

As a Senior Data Analyst in Credit Risk Management, you’ll take end to end ownership of Zip’s Expected Credit Loss and loss forecasting processes. You’ll connect portfolio performance with ECL, losses and forward looking forecasts, while continually improving the quality, automation and explainability of our approach.

This is an opportunity to combine deep analytical thinking with meaningful stakeholder influence, partnering closely with Credit Risk, Finance and Data to turn complex movements into clear insights and recommendations.

What You’ll Own

• Own the monthly ECL operating cycle and loss forecasting process, delivering accurate, timely and explainable outcomes
• Lead quarterly ECL parameter monitoring, investigating material movements and connecting changes in portfolio performance with expected loss outcomes
• Continuously improve the ECL production code base, automation, controls, repeatability and turnaround times
• Strengthen data governance and controls, identifying data quality issues early and partnering with our Data team to resolve them
• Lead regular ECL discussions with senior Credit Risk and Finance stakeholders, translating complex analysis into clear insights, decisions and actions
• Own the methodology, assumptions, scenario analysis and variance analysis underpinning loss forecasts, continually looking for opportunities to improve forecast accuracy
• Lead the annual ECL review, including methodology and performance assessments, back testing, documentation and support for internal and external audit activity
• Explore how AI and new technology can make our forecasting and analytical processes faster, smarter and more effective
• Provide analytical support for bad debt sale initiatives and other emerging Credit Risk priorities

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:

• Experience in credit risk analytics within retail banking, consumer finance or another regulated financial services environment
• Strong experience in credit loss forecasting or portfolio loss analytics, with the ability to connect portfolio performance, delinquency and write offs with expected loss outcomes
• Practical experience with ECL, including PD, LGD and EAD, impairment processes and credit risk parameter monitoring
• Strong SQL skills and experience maintaining analytical code, with exposure to Python, R or SAS highly regarded
• A disciplined approach to data quality, testing, controls, documentation and production change management
• Strong stakeholder management and communication skills, with the confidence to explain analytical outcomes, challenge assumptions and lead discussions with senior stakeholders
• The ability to translate complex analysis into clear recommendations that support effective decision making
• A mindset that embraces AI and new tools to adapt, learn and grow.
• 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
• Access to the Flare Benefits Hub and Novated Leasing for savings across lifestyle, essentials and wellbeing
• Fee‑free Zip products, and discounts with Zip merchant partners
• Team social events, epic offices, free breakfast daily, and weekly free lunches

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 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.

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