Sr. Partner, Credit, Model & Fraud Risk Oversight
New
Z
ZipFintech Lending
Remote-first opportunity for US-based employeesFull-TimeSenior
Salary$132,000 - $165,000 USD
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Job Details
- Experience
- 8+ years
- Required Skills
- SQLData Analysis
Requirements
- 8+ years of experience in Credit, Model and Fraud Risk.
- Proven track record in building risk oversight frameworks and analyzing risk data.
- Advanced SQL skills and experience working with large complex datasets.
- Experience as a senior risk or data analyst in finance, fintech, or lending.
- Data-driven mindset with the ability to influence business decisions.
- Strong written and verbal communication skills.
- Familiarity with AI tools and pragmatic understanding of their application in risk management.
- Ability to operate in fast-paced, ambiguous environments.
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.
- Analyze and communicate on key risk indicators, portfolio trends, and breaches against defined limits.
- Collaborate with Legal, Compliance, Credit Risk and Product to ensure risk decisions align with regulatory expectations and firm's risk appetite.
- Apply AI tools and technologies to streamline risk analysis and enhance fraud detection insights.
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