Sr. Partner, Credit, Model & Fraud Risk Oversight

Zip Co Limited

11d•$132,000 - $165,000•Hybrid

About The Position

Experienced Risk Manager proficient in credit, model and fraud risk 2nd Line oversight. This is a remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office. Start your adventure with Zip. We’re hiring a Credit, Model & Fraud Risk Oversight Lead to strengthen and scale our second-line risk governance across our U.S. portfolio. As our business evolves in complexity and reach, this role will play a mission-critical part in strengthening oversight, surfacing emerging risk exposures, and ensuring our decisions stand up to regulatory expectations, bank partner scrutiny, and our own high bar for trust. Through independent second-line challenge and oversight, you’ll shape how we evaluate creditworthiness, model integrity, and fraud patterns across new products and customer segments, enabling Zip to grow responsibly while protecting our customers and partners. If you thrive on translating data into risk insights and influencing decisions at scale, this is your opportunity to help us build a future-ready risk culture that fuels innovation instead of slowing it down.

Requirements

8+ years of experience in Credit, Model and Fraud Risk, with a track record in building risk oversight framework and analyzing risk data.
Advanced SQL skills and deep comfort working hands-on with large complex datasets to uncover risk insights.
Proven experience as a senior risk or data analyst, ideally within the finance, fintech or lending space.
A data-driven mindset with a bias for action; You're not just analyzing the numbers, you're influencing decisions that drive business impact.
A natural curiosity and willingness to challenge assumptions and status quo, paired with sound judgment and analytical rigor.
Excellent written and verbal communication skills, with the ability to translate technical concepts for diverse audiences.
Familiarity with AI tools and a pragmatic understanding of how to apply them in day-to-day work; Whether streamlining analysis, improving fraud detection, or elevating oversight efficiency.
You embrace working in an AI-powered environment, and are proactive in exploring how emerging technologies can enhance risk processes and decision-making.
Comfort operating in fast-paced, iterative environments where priorities shift and ambiguity is the norm.
A values-driven approach: Customer First, Own It, Stronger Together, and Change the Game are more than just words to you.

Responsibilities

Lead the improvement and execution of the second line oversight framework for credit, model, and fraud risk across Zip’s U.S. portfolio
Review and challenge first line risk strategies related to underwriting, credit policy, and fraud prior to submitting them to bank partners
Provide effective oversight of model risk management practices, including model validation, inventory, and governance
Evaluate credit and fraud risk exposures across new products, customer segments, or market changes, developing risk recommendations for senior stakeholders.
Identify emerging credit and fraud threats and provide leadership with clear actionable insights
Partner with relevant stakeholders to investigate credit/ model/ fraud related incidents and/or policy violations and ensure appropriate remediation actions are in place
Collaborate with Legal, Compliance, Credit Risk and Product to ensure risk decisions align with regulatory expectations and firm's risk appetite
Analyze and communicate on key risk indicators, portfolio trends, and breaches against defined limits
Contribute to credit risk governance reporting, Bank Partner's requirements and audit readiness.
Strengthen Zip’s risk governance by recommending and implementing enhancements to policies, standards, and cross-functional communication processes
Stay ahead of industry trends, fraud tactics, best practices and regulatory developments to continuously refine oversight
Exercise independent judgment within the second-line mandate, escalating matters involving material risk-appetite breaches, significant regulatory concerns, or decisions requiring executive or committee approval.
Apply approved AI tools and technologies to streamline risk analysis, enhance fraud detection insights and improve efficiency of second-line oversight, while exercising appropriate judgement of over their use.