Sr. Partner, Credit, Model & Fraud Risk Oversight

Zip Co Limited

7d•$132,000 - $165,000•Remote

About The Position

Zip is hiring a Credit, Model & Fraud Risk Oversight Lead to strengthen and scale second-line risk governance across its U.S. portfolio. The role provides independent oversight and challenge of credit, model, and fraud risk, helping the company grow responsibly while protecting customers and partners and meeting regulatory expectations and bank partner requirements. The successful candidate will assess risk across products, customer segments, and market changes; oversee model risk management practices; identify emerging threats; and provide clear, actionable insights to senior stakeholders. The role also supports governance reporting, audit readiness, policy improvements, and effective cross-functional communication. It uses approved AI tools to improve analysis and oversight while applying sound judgment. This is a remote-first opportunity for U.S.-based employees, with the option to work in person from Zip’s Manhattan office.

Requirements

At least 8 years of experience in credit, model, and fraud risk, with a track record in building risk oversight frameworks and analyzing risk data.
Advanced SQL skills and comfort working hands-on with large, complex datasets to uncover risk insights.
Experience as a senior risk or data analyst; finance, fintech, or lending experience is preferred.
Data-driven mindset and ability to influence decisions that drive business impact.
Curiosity and willingness to challenge assumptions and the status quo, with sound judgment and analytical rigor.
Excellent written and verbal communication skills, including the ability to explain technical concepts to diverse audiences.
Familiarity with AI tools and a pragmatic understanding of their day-to-day application.
Comfort working in an AI-powered environment and proactively exploring how emerging technologies can enhance risk processes and decision-making.
Comfort operating in fast-paced, iterative environments where priorities shift and ambiguity is common.
Values-driven approach aligned with Customer First, Own It, Stronger Together, and Change the Game.

Nice To Haves

Experience in finance, fintech, or lending.

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 strategies related to underwriting, credit policy, and fraud before submission to bank partners.
Provide oversight of model risk management practices, including model validation, inventory, and governance.
Evaluate credit and fraud risk exposures associated with new products, customer segments, and market changes, and develop recommendations for senior stakeholders.
Identify emerging credit and fraud threats and provide leadership with clear, actionable insights.
Partner with stakeholders to investigate credit, model, and fraud incidents or policy violations and ensure appropriate remediation.
Collaborate with Legal, Compliance, Credit Risk, and Product to align risk decisions with regulatory expectations and the firm’s risk appetite.
Analyze and communicate key risk indicators, portfolio trends, and breaches of defined limits.
Contribute to credit risk governance reporting, bank partner requirements, and audit readiness.
Recommend and implement enhancements to policies, standards, and cross-functional communication processes.
Monitor industry trends, fraud tactics, best practices, and regulatory developments to refine oversight.
Exercise independent judgment within the second-line mandate and escalate 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 oversight efficiency while using appropriate judgment.