Director, Credit & Enterprise Risk Advisory

The role

Lead the Line 2 Risk Advisory function for Zip across Australia and New Zealand. Provide independent oversight, challenge and advice on enterprise risk, and lead a team of five risk professionals.

What you will do

• Lead the ANZ Line 2 Risk Advisory function and deliver the annual Risk Advisory work program.
• Partner with Executive Leadership and senior business leaders to embed risk management into strategy and decisions.
• Provide independent challenge and commercial advice on material risks, risk appetite and control effectiveness.
• Lead oversight of Credit and Financial Risk, including portfolio performance, underwriting, model governance and stress testing.
• Lead the Second Line Controls function and strengthen the control environment.
• Evolve Zip's Enterprise Risk Framework, governance, policies and methodologies.
• Deliver enterprise risk reporting to Executive Leadership, Risk Committees, the Audit & Risk Committee and the Board.
• Chair the Non Financial Risk Forum and represent Risk Advisory on key governance committees.
• Lead, coach and develop a high performing team of five risk professionals.
• Use AI, automation and analytics to strengthen oversight and decision making across the Risk function.

Required qualifications

• 15+ years' experience leading first or second line risk functions in financial services, fintech or another highly regulated industry.
• Deep expertise across Credit Risk, Financial Risk and Enterprise Risk Management.
• Strong knowledge of consumer lending, portfolio oversight, model governance and credit risk frameworks.
• Experience leading controls assurance or non financial risk oversight functions.
• Demonstrated success partnering with Executive Leadership, Board Committees and senior stakeholders.
• Strong leadership capability and experience developing risk professionals and specialist teams.
• Exceptional stakeholder management and influencing skills.
• Outstanding strategic thinking, analytical capability and communication skills.
• Strong commercial judgement balancing customer outcomes, regulatory obligations, risk appetite and growth.
• A track record of driving outcomes, leading through change and delivering continuous improvement.
• A mindset that embraces AI and new tools.
• An aptitude for identifying and managing risks.

Benefits

• 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.
• $299 annual wellbeing allowance.
• Free access for you and family members to the EAP service Sonder.
• Discounted private health insurance.
• Discounted fitness sessions through ClassPass.
• 2 days paid volunteering leave per year.
• Access to the Flare Benefits Hub and Novated Leasing.
• Fee-free Zip products, and discounts with Zip merchant partners (AU).
• Team social events, free breakfast daily, and weekly free lunches (Sydney and Melbourne).

Before you apply

• Zip encourages applicants who meet only some of the desirable attributes to apply.

About the company

Zip Co Limited (ASX: ZIP) is a digital financial services company offering point-of-sale credit and digital payment services. It operates in Australia and New Zealand and the US, connecting customers with merchants.