Director, credit risk

Director, Credit Risk When you join Zip’s Risk team, you will be putting your name to a variety of business-critical initiatives attached to our ANZ strategy, including uplifting our credit risk management, fraud control and credit decisioning capabilities. With a broad remit across credit risk strategy and decisioning, forecasting, portfolio analytics and controls monitoring, our Credit Risk Management & Data Science team is a key strategic interface between the business and a varied range of both internal and external stakeholders. What you’ll own As our Director of Credit Risk, you will play a pivotal role in managing and driving all aspects of credit risk across the ANZ region. Reporting to the Chief Credit Risk Officer (ANZ), this senior leadership position is responsible for developing and implementing credit risk strategies, frameworks, and models to support Zip's sustainable growth ambitions while ensuring sound credit decisions, portfolio quality and robust risk controls. You’ll be responsible for: Credit risk strategy - Develop and execute the company’s credit risk strategy across the entire credit risk life cycle. Portfolio Oversight & Risk Analytics - Development, Implementation, Monitoring and Validation of all credit risk models, ensuring alignment with the organisation’s risk appetite. Regulatory & Compliance Requirements - Ensure compliance with all applicable laws, regulations, and ASX reporting standards related to credit risk. Leadership & Team Development - Lead, mentor, and develop a team of credit risk professionals, including data scientists and analysts, fostering a culture of collaboration, innovation, and accountability. Stakeholder Collaboration - Build strong stakeholder relationships, working closely with senior leadership across product, technology, operations and compliance. What you’ll bring to the team Minimum of 15 years of experience in credit risk management within the consumer lending / financial services industry, with at least 5 years in a senior leadership role. Proven success in leading and managing credit risk strategies in an ASX-listed or similarly regulated environment. Strong understanding of credit risk modelling, portfolio management, and regulatory requirements (e.g., APRA, ASIC). Demonstrated ability to lead large teams, including data scientists, analysts, and other risk professionals. The ability to be hands on technically - Advanced skills in data analysis, predictive modelling, and risk measurement tools (e.g., SQL, Python, Tableau or similar technologies). Excellent stakeholder management and communication skills, with experience influencing executive teams and boards. An aptitude for identifying and managing risks, 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. 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 New Zealand (ANZ) 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. #J-18808-Ljbffr