Senior Partner, Credit, Model & Fraud Risk Oversight
Z
Zip CoFintech lending
Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan officeFull-TimeSenior
SalaryThe annual base Pay Range for this position is $132,000 - $165,000 USD. Additional premium percentages may apply based on our tiered premium strategy. The total compensation package for this position may also include other elements, including a bonus and/or equity awards.
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Job Details
- Experience
- 8+ years of experience in Credit, Model and Fraud Risk
- Required Skills
- SQL
Requirements
- Bring 8+ years of experience in credit, model, and fraud risk.
- Have a track record of building risk oversight frameworks and analyzing risk data.
- Demonstrate advanced SQL skills.
- Be comfortable working hands-on with large, complex datasets to uncover risk insights.
- Have experience as a senior risk or data analyst; finance, fintech, or lending experience is preferred.
- Be familiar with AI tools and how to apply them in day-to-day work.
- Use sound judgment and analytical rigor when challenging assumptions and working with ambiguity.
- Communicate technical concepts to diverse audiences in writing and verbally.
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 underwriting, credit policy, and fraud strategies before submission to bank partners.
- Oversee model risk management practices, including model validation, inventory, and governance.
- Evaluate credit and fraud exposures across new products, customer segments, and market changes, and develop recommendations for senior stakeholders.
- Identify emerging credit and fraud threats and provide leadership with actionable insights.
- Partner with stakeholders to investigate credit, model, and fraud incidents or policy violations and ensure remediation actions are in place.
- 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 against defined limits.
- Contribute to credit risk governance reporting, bank partner requirements, and audit readiness.
- Recommend and implement enhancements to risk policies, standards, and cross-functional communication processes.
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