• Strategic leader with experience in credit and fraud strategies for a non-prime consumer lending portfolio
• People-first data leader who delivers insights that fuel effective credit and fraud strategy execution and collaboration with cross-functional teams
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office 

Start your adventure with Zip 

Working in our Risk Strategy team provides no shortage of opportunities to truly impact the way we operate. As a trusted strategic partner to every team across Zip, you will own all things around credit and fraud strategy for existing customers, helping drive increased customer engagement while minimizing losses 

As a Director of Customer Management Risk Strategy, you will be responsible for leading a team that delivers strategies to manage exposure, engagement, and fraud losses across Zip’s customer portfolio.  You will partner closely with product managers and engineering teams to develop new capabilities and strategies. and perform holistic monitoring of strategies and performance to identify strategic opportunities.  

Interesting problems you’ll get to solve

• Own credit line increases for existing customers to drive incremental transaction volume
• Own credit line decrease strategy to mitigate future losses 
• Drive conversion of customers from our checkout channel to use the Zip app
• Manage fraud strategies including transaction approvals and account takeover defenses
• Manage and develop analysts to drive strategic changes
• Partner with the Collections and Customer Experience team to monitor performance and cost
• Own strategies to drive activation from lower-activity customers

What you’ll bring to the team 

• 12-15+ years of experience in financial services developing and deploying credit and frau strategies 
• Experience analyzing data and using database query language (e.g. SQL) analysis and programming and developer tools such as Python, R, Databricks, and Snowflake in financial services setting
• Quantitative background in engineering, statistics, math, economics, business, or related disciplines
• Possesses strong communication, interpersonal, and presentation skills; and ability to engage and collaborate with multiple stakeholders across teams
• Possesses analytical mindset and strong problem-solving skills. Attention to detail and ability to multitask
• Experience leading and developing analytical teams
• Comfortable working in a fast-paced environment and dealing with ambiguity
• Extremely proactive communicator willing to raise flags when needed and keep team members informed of ongoing risk or fraud-related activities
• Experience with regulatory compliance, such as FCRA and Reg Z is a plus
• Our values in your DNA: Customer First, Own It, Stronger Together, and Change the Game

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. 

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Flexible working culture
• Incentive programs
• 20 days PTO every year
• Generous paid parental leave
• Leading family support policies
• 100% employer covered insurance
• Beautiful Union Square office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

The Pay Range for this position: $180,000 - $216,000 USD based on the industry benchmark for position, function, level and Zip’s compensation strategies. However, actual base salary will depend on varying circumstances and individualized factors, such as job-related knowledge, skills, experience, and other objective business considerations. 

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. 

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.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to 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.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms

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