Director – Credit & Enterprise Risk Advisory

• Lead the Line 2 Risk Advisory function influencing decisions that support sustainable growth.
• Bring deep expertise across Credit, Financial and Enterprise Risk, with a proven track record leading high performing risk teams in regulated financial services.
• Work flexibly in a hybrid model, with team connection days in our Sydney office.

Write your story with a career at Zip

Join Zip's Risk & Compliance team, where we partner across the business to enable sustainable growth through strong governance, practical risk management and trusted advice. Working alongside leaders across Australia and New Zealand, our team helps create confidence in decision making by embedding effective risk practices while supporting innovation and delivering great customer outcomes.

As Director, Credit & Enterprise Risk Advisory, you'll lead Zip's Line 2 Risk Advisory function across Australia and New Zealand, providing independent oversight, challenge and strategic advice across enterprise risk. Reporting to the Chief Risk & Compliance Officer, you'll lead a team of five experienced risk professionals and play a key leadership role in strengthening Zip's risk and control environment while enabling the business to grow confidently within risk appetite.

This is a highly visible leadership role where you'll influence executive decision making, engage regularly with Board and Committee stakeholders and help shape the future maturity of Zip's Enterprise Risk Framework.

What you'll own

• 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 high quality 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 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 high performing team of five risk professionals, building capability, succession and an engaged, collaborative culture.
• Leverage AI, automation and modern analytical capabilities to strengthen oversight, improve operational efficiency and enhance decision making across the Risk function.

What you'll bring to the team

Zipsters work on a broad range of initiatives, and our skills and experiences all look a little different. What really matters to us is that you're a great fit with our four Values, and have a desire to learn and grow. So whether you meet some or all of the desirable attributes below, we'd still love to hear from you.

• 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. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore 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.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• 25 days paid leave annually, including birthday leave and quarterly wellbeing days
• 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
• Family support policies including miscarriage bereavement leave and domestic violence leave
• Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our EAP service Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave per year
• Access to the Flare Benefits Hub and Novated Leasing for savings across lifestyle, essentials and wellbeing
• Fee-free Zip products, and discounts with Zip merchant partners (AU) 
• Team social events, epic offices, free breakfast daily, and weekly free lunches (Sydney and Melbourne) 

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.

#LI-Hybrid