Sr. Partner, Credit, Model & Fraud Risk Oversight

• Experienced Risk Manager proficient in credit, model and fraud risk 2nd Line oversight
• 8+ years of risk analytics experience working in Credit/ Model/ Fraud Risk
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office 

Start your adventure with Zip 

We’re hiring a Senior Partner, Credit, Model & Fraud Risk Oversight to establish and scale our second-line risk governance across our U.S. portfolio. As our business evolves in complexity and reach, this role will play a mission-critical part in strengthening oversight, surfacing emerging risk exposures, and ensuring our decisions stand up to regulatory expectations, bank partner scrutiny, and our own high bar for trust.

You’ll shape how we evaluate creditworthiness, model integrity, and fraud patterns across new products and customer segments, enabling Zip to grow responsibly while protecting our customers and partners. If you thrive on translating data into risk insights and influencing decisions at scale, this is your opportunity to help us build a future-ready risk culture that fuels innovation instead of slowing it down.

Interesting problems you’ll get to solve

• Lead and build the second line oversight framework for credit, model, and fraud risk across Zip’s U.S. portfolio
• Review 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
• Identify emerging credit and fraud threats and provide leadership with clear actionable insights
• Partner with relevant stakeholders to investigate credit/ model/ fraud related incidents and/or policy violations and ensure appropriate remediation actions are in place 
• Collaborate with Legal, Compliance, and Product to ensure risk decisions align with regulatory expectations and firm's risk appetite
• Analyze and communicate on key risk indicators, portfolio trends, and breaches against defined limits
• Contribute to credit risk governance reporting, Bank Partner's requirements and audit readiness.
• Strengthen Zip’s risk governance by enhancing policies, standards, and cross-functional communication processes
• Stay ahead of industry trends, fraud tactics, best practices and regulatory developments to continuously refine oversight

What you’ll bring to the team 

• 8+ years of experience in Credit, Model and Fraud Risk, with a track record in building risk oversight framework and analyzing risk data.
• Advanced SQL skills and deep comfort working hands-on with large complex datasets to uncover risk insights. Proven experience as a senior risk or data analyst, ideally within the finance, fintech or lending space.
• A data-driven mindset with a bias for action; You're not just analyzing the numbers, you're influencing decisions that drive business impact.
• A natural curiosity and willingness to challenge assumptions and status quo, paired with sound judgment and analytical rigor.
• Excellent written and verbal communication skills, with the ability to translate technical concepts for diverse audiences.
• Familiarity with AI tools and a pragmatic understanding of how to apply them in day-to-day work; Whether streamlining analysis, improving fraud detection, or elevating oversight efficiency.
• You embrace working in an AI-powered environment, and are proactive in exploring how emerging technologies can enhance risk processes and decision-making.
• Comfort operating in fast-paced, iterative environments where priorities shift and ambiguity is the norm.
• A values-driven approach: Customer First, Own It, Stronger Together, and Change the Game are more than just words to you.

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