Sr. Partner, Credit, Model & Fraud Risk Oversight

The role

Lead second-line oversight of credit, model and fraud risk across Zip's U.S. portfolio. Challenge first-line strategies, review model risk practices and surface emerging risks for senior leaders.

What you will do

• Lead the second-line oversight framework for credit, model and fraud risk across the U.S. portfolio
• Review and challenge first-line risk strategies on underwriting, credit policy and fraud before they go to bank partners
• Provide oversight of model risk management, including model validation, inventory and governance
• Evaluate credit and fraud risk exposures for new products, customer segments and market changes
• Identify emerging credit and fraud threats and give leadership clear, actionable insights
• Investigate credit, model and fraud incidents or policy violations and make sure remediation is in place
• Work with Legal, Compliance, Credit Risk and Product to align risk decisions with regulatory expectations and risk appetite
• Analyze key risk indicators, portfolio trends and limit breaches
• Contribute to credit risk governance reporting, bank partner requirements and audit readiness
• Recommend and implement improvements to policies, standards and cross-functional communication

Required qualifications

• 8+ years of experience in credit, model and fraud risk
• Track record of building risk oversight frameworks and analyzing risk data
• Advanced SQL skills and hands-on work with large, complex datasets
• Experience as a senior risk or data analyst, ideally in finance, fintech or lending
• Strong written and verbal communication, including explaining technical topics to varied audiences
• Familiarity with AI tools and how to apply them in daily work
• Comfort in fast-paced, iterative environments with shifting priorities

Benefits

• Flexible working culture
• Incentive programs
• 20 days PTO every year
• Generous paid parental leave
• Family support policies
• 100% employer-covered insurance
• Learning and wellness subscription stipend
• Company-sponsored 401k match
• Casual dress code at the Union Square office

Before you apply

• Zip participates in the federal E-Verify program
• Employment is at-will

About the company

Zip Co Limited (ASX: ZIP) is a digital financial services company offering point-of-sale credit and digital payments. It operates in Australia, New Zealand and the U.S.