Full-Time

Director – Credit & Enterprise Risk Advisory

Updated on 9/4/2026

Zip

Zip

1,001-5,000 employees

Interest-free BNPL payments provider internationally

No salary listed

Sydney NSW, Australia

Hybrid

Hybrid role with team connection days in the Sydney office.

Category
Risk & Compliance
Required Skills
Risk Management

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Responsibilities
  • Lead the ANZ Line 2 Risk Advisory function, setting strategic direction, priorities and delivering the annual Risk Advisory work program.
  • Partner with Executive Leadership and senior business leaders to embed effective risk management into strategic planning, operational decision making and business transformation initiatives.
  • Provide independent challenge and commercially balanced advice on material risks, emerging issues, risk appetite and control effectiveness.
  • Lead oversight of Credit and Financial Risk, including portfolio performance, underwriting, credit decisioning, model governance, stress testing and financial risk exposures.
  • Lead the Second Line Controls function, strengthening controls assurance and continuously improving Zip's control environment.
  • Partner with the Director, Risk & Compliance to evolve and enhance Zip's Enterprise Risk Framework, governance, policies and methodologies.
  • Deliver enterprise risk reporting, insights and recommendations to Executive Leadership, Risk Committees, the Audit & Risk Committee and the Board.
  • Identify emerging risks, industry developments and regulatory changes, ensuring they are incorporated into Zip's enterprise risk approach.
  • Chair the Non Financial Risk Forum and represent Risk Advisory across key governance committees, including the Regional Risk Committee, Product & Pricing Committee and Credit Risk Committee.
  • Champion a strong risk culture by promoting continuous improvement, governance excellence and clear ownership of risk across the organisation.
  • Lead, coach and develop a team of five risk professionals, building capability, succession and an engaged, collaborative culture.
  • Leverage artificial intelligence, automation and modern analytical capabilities to strengthen oversight, improve operational efficiency and enhance decision making across the Risk function.
Desired Qualifications
  • 15+ years' experience leading first or second line risk functions within financial services, fintech or another highly regulated industry.
  • Deep expertise across Credit Risk, Financial Risk and Enterprise Risk Management, with strong knowledge of consumer lending, portfolio oversight, model governance and credit risk frameworks.
  • Experience leading controls assurance or non financial risk oversight functions.
  • Demonstrated success partnering with Executive Leadership, Board Committees and senior stakeholders to provide clear, practical and commercially balanced risk advice.
  • Strong leadership capability with experience developing experienced risk professionals and building high performing specialist teams.
  • Exceptional stakeholder management and influencing skills, with the ability to build trusted relationships across all levels of the organisation.
  • Outstanding strategic thinking, analytical capability and communication skills, with the ability to translate complex risk issues into practical business outcomes.
  • Strong commercial judgement with the ability to balance customer outcomes, regulatory obligations, risk appetite and business growth.
  • A track record of driving meaningful outcomes, leading through change and delivering continuous improvement.
  • A mindset that embraces AI and new tools to adapt, learn and grow.
  • An aptitude for identifying and managing risks.
  • Effective risk management is important to how we run the business and is part of all roles.
  • Alignment with Zip's values: Customer First, Own It, Stronger Together and Change the Game.

Zip Co provides buy now, pay later (BNPL) services that let people buy things now and pay over time without interest. It operates in markets including Australia, New Zealand, the United Kingdom, the United States, Canada, and Mexico, serving both individual consumers and businesses. Its main products are Zip Pay (for everyday purchases) and Zip Money (for larger expenses). Revenue comes from merchant fees, late fees, and interest on certain products. Zip partners with retailers to offer convenient, transparent payment options that help customers manage their finances, with a focus on simple terms and clear due dates. The company aims to expand globally and grow its market presence by providing flexible, easy-to-use payment solutions that simplify the purchasing process.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Sydney, Australia

Founded

2013

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Simplify Jobs

Simplify's Take

What believers are saying

  • FY26 cash EBTDA reached A$268.9 million on August 20, 2026, up 57.9%.
  • FY27 guidance targets A$340 million cash EBTDA and 20%-22% operating margin.
  • June 2026 partnerships with Rally House and InComm broaden U.S. volume sources.

What critics are saying

  • On January 31, 2026, Zip disclosed U.S. state attorneys general inquiries into BNPL practices.
  • Reuters reported July 2026 Australian BNPL legislation requiring credit checks, pressuring approvals and margins.
  • Zip’s FY26 net bad debts rose to 1.77% of TTV, signaling credit deterioration.

What makes Zip unique

  • Zip’s dual-engine ANZ-US platform spans 29,000 U.S. and 64,900 ANZ merchants.
  • Zip’s embedded-payments integrations with Stripe, InComm, and Rally House widen checkout distribution.
  • Zip’s Pay in 2 and Pay in 4 target everyday spending.

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Benefits

Parental leave - Enjoy up to 20 weeks paid leave and return part-time on a full-time salary for 3 months!

Bonus scheme - We give you skin in the game through our various share incentive programs.

Family support - We support our ZipFam on their life journey through people policies and programs.

Volunteer leave - Use your paid volunteer leave to Zip it forward and create change in your community.

Reward & recognition - We love celebrating your wins and giving you the freedom to choose how you're rewarded.

Career growth - You'll be given clear progression pathways and transparent coaching so you can truly flourish.

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

1%

2 year growth

0%
TipRanks
Aug 25th, 2026
Zip Co launches US$300m AAA-rated ABS to bolster U.S. growth - TipRanks.com

Zip Co Ltd. ( ($AU:ZIP) ) has issued an update. Zip Co Limited has strengthened its U.S. funding platform with the pricing of a new two-year US$300 million securiti...

Yahoo Finance
Aug 20th, 2026
Zip shares jump 17% as FY26 profit climbs 46% to $116M and FY27 EBTDA guidance hits $340M

Zip Co shares jumped 17% to $2.97 after the buy now, pay later company reported a 46% rise in statutory profit to $116.4 million for the year ended 30 June. Cash earnings before tax, depreciation and amortisation reached a record $268.9 million, up 58% on the prior year. The company guided to cash EBTDA of $340 million for FY27, representing 26% year-on-year growth. Total transaction volume increased 23% to $16.7 billion, with US transaction volume rising 42.5% in US dollar terms. Zip announced a $50 million on-market share buyback for FY27 and is considering a potential dual listing in the US alongside a share consolidation, subject to shareholder approval.

Kalkine Media
Jul 28th, 2026
UBS Group acquires 5% stake in Australian fintech Zip Co

UBS Group AG has acquired a 5.02% stake in Australian fintech company Zip Co Limited, becoming a substantial shareholder. The Swiss banking giant now holds a relevant interest in 62.5 million ordinary shares as of 24 July 2026. The shareholding is spread across multiple UBS entities, including its asset management, securities, and prime broking divisions. The positions were accumulated through various methods such as prime broking agreements and stock borrowing and lending activities. The substantial holder notice was filed on 28 July 2026, confirming UBS's status as a major shareholder in the buy now, pay later company.

Business Wire
Jun 29th, 2026
Zip partners with Rally House to offer flexible payments across 300+ sports retail stores in US

Zip has partnered with Rally House, a specialty sports retailer with over 300 locations across 28 states, to offer flexible payment options both online and in-store. The collaboration allows customers to purchase licensed fan gear for NFL, NBA, MLB, NHL and college teams using Zip's instalment payment solutions. Rally House serves as the Official Team Shop of the Big 12, Big Ten and Mid-American Conferences. The partnership addresses the time-sensitive nature of sports retail, where championship wins and major sporting events drive emotionally charged purchase decisions. Zip currently operates with more than 29,000 US merchant partners and 4.6 million active US customers. The company offers point-of-sale credit and digital payment services across its core markets in Australia, New Zealand and the United States.

PR Newswire
May 19th, 2026
Zip and InComm bring buy now, pay later to gift cards as BNPL usage hits 15%

Zip and InComm Payments have partnered to bring instalment payments to gift cards, allowing eligible US shoppers to purchase popular gift card brands through the Zip app and split payments over time. The integration gives Zip's 4.6 million active US customers access to gift cards across retail, entertainment, dining and travel categories. Users can select cards, choose denominations and split costs at checkout without leaving the app. The move responds to growing adoption of buy now, pay later services. Federal Reserve data shows 15% of consumers surveyed in 2024 used BNPL in the prior 12 months, up from 10% in 2021. Founded in Australia in 2013, Zip operates in Australia, New Zealand and the United States with 29,000 merchant partners. InComm Payments is a global payments technology company headquartered in Atlanta.