---
title: 'Finance AI & Transformation Analyst at Zip Co Limited'
canonical: 'https://feeny.ai/job/finance-ai-transformation-analyst-zip-co-limited-united-states-chy17zd5c3f4'
type: 'job'
last_seen: '2026-11-08'
---

# Finance AI & Transformation Analyst at Zip Co Limited

- **Company:** Zip Co Limited
- **Location:** United States
- **Posted:** 2026-11-02
- **Last confirmed live:** 2026-11-08
- **Apply:** https://job-boards.greenhouse.io/zipcolimited/jobs/4714735006

## Job description

- Lead Finance transformation initiatives at Zip, embedding AI and automation into core finance workflows and delivering measurable business impact.
- Bring 5-8 years driving process improvement or transformation initiatives, with hands-on AI fluency and the ability to turn business problems into scalable solutions.
- Hybrid opportunity for US-based employees with an expectation of 3 days per week in our Union Square Manhattan office.

Start your adventure with Zip

We're looking for a Finance AI & Transformation Analyst to help build the next generation of how Finance operates at Zip.

Sitting within Finance Change & Transformation, you'll bring strong transformation instincts and hands-on experience with both AI-enabled and process-driven solutions, and apply them to modernize Finance processes and workflows. You'll identify high-friction processes, diagnose root causes, and design scalable solutions that improve efficiency and deliver measurable business impact.

You'll identify where AI can create meaningful value, build foundational workflows yourself, and translate complex opportunities into clear business and technical requirements.

This is a hands-on role for a systems thinker with a builder mindset. You'll structure the plan, align on the outcome, then coordinate stakeholders and resolve issues to get there.

Interesting problems you'll get to solve

Evolve and Scale an AI-Enabled Finance

- Identify workflows where AI, automation, or agentic solutions can create meaningful business value.
- Prototype, test, and build agentic workflows and automations, using LLM-based tools and no-code/low-code platforms, that solve real Finance problems.
- Translate Finance use cases into clear requirements across workflows, data, controls, exceptions, human oversight, and success metrics.
- Partner within internal Finance pillars (Accounting, Treasury, FP&A, Tax) as well as cross functional teams (Data, Engineering, and Agentic Platform teams) to design, test, deploy, govern, and continuously improve solutions.

Finance Transformation Program Delivery

- Lead transformation workstreams with stakeholder alignment at key decision points, from diagnosing problems and gathering requirements through solution design, implementation, testing, change management, and impact measurement
- Diagnose process, system, and control gaps and recommend scalable, standardized future-state solutions that reduce complexity.
- Own project plans, timelines, dependencies, risks, stakeholder communications, and day-to-day delivery.
- Measure success through efficiency, accuracy, control effectiveness, adoption, and improved decision quality.

Drive Cross-Functional Change

- Build alignment across Finance, Data, Technology, Compliance, and other teams, surfacing risks and keeping work moving.
- Develop recommendations and drive adoption through strong business cases, executive communication, documentation, training, and stakeholder feedback.
- Develop executive-ready updates and presentations for senior stakeholders, including CFO and CEO.

## What you'll bring to the team

Required

- 5-8 years of professional experience driving transformation or technology-enabled process improvement, with hands-on experience building or shipping AI-enabled tools, workflows, or automations.
- Demonstrated ownership of cross-functional transformation initiatives from problem definition through implementation, adoption, and measurable outcomes.
- Proven project management skills across requirements, gap analysis, roadmaps, timelines, stakeholder management, risk, and change adoption.
- Hands-on experience using generative AI, automation, or agentic tools to design, prototype, and ship real workflows or products, not just experimenting with them.
- Strong product and systems mindset, with the ability to identify where AI and automation create value and translate business problems into clear requirements for technical teams.
- Working understanding of AI capabilities, limitations, and responsible use, including data quality, validation, privacy, controls, and human oversight.
- Strong communication and influence, with the ability to engage senior leaders and drive cross-functional progress without direct authority.
- Strong critical thinking, organization, attention to detail, and judgment in ambiguous environments.

## Preferred

- Strong grounding in core financial concepts and processes, with a background in accounting, treasury, FP&A, or similar.
- Hands-on experience in finance transformation initiatives, with an understanding of end-to-end finance data flows.
- Experience working within a complex, high-growth, fintech, financial services, or regulated environment.
- Proven experience in finance process optimization or system implementation.
- Familiarity with NetSuite or similar ERP systems, along with other core Finance systems.

## How you'll operate

- Accountable: You own the problem through the outcome, including delivery, adoption, controls, and results.
- Curious: You experiment responsibly with emerging technology and continuously look for better ways to work.
- Collaborative: You build credibility across Finance and technical teams and influence without formal authority.
- Action oriented: You create structure from ambiguity, make informed decisions, and move work forward.

## 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
- Unlimited PTO
- Generous paid parental leave
- Leading family support policies
- Company-sponsored 401k match
- Learning and wellness subscription stipend
- Beautiful Union Square office with a casual dress code
- Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $128,000 - $140,000 USD. This range reflects our *Premium Location band (US2). Different bands may apply based on our tiered premium strategy if residence is outside of the Greater Manhattan area.

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.

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

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-centered 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](https://zip.co/careers/us-candidate-privacy-notice) and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program

## About Zip Co Limited

## Company Overview
- **One-liner**: Zip Co Limited is a digital financial services company that provides point-of-sale credit and digital payment solutions, connecting millions of consumers with tens of thousands of merchants across Australia, New Zealand, and the United States.
- **Entity Type**: Public (ASX: ZIP), listed in 2015
- **Headquarters**: Sydney, Australia
- **Founded**: 2013
- **Founders**: Not publicly listed on the company’s official site (founded in Australia)

## Core Business
- **Primary industry**: Digital financial services / Buy Now, Pay Later (BNPL) / Point-of-sale lending
- **Target customers**: B2B (merchants) and B2C (consumers); serves both enterprise and SMB merchants
- **Mission / purpose**: “Unlock financial potential, together” – providing fair, flexible, and transparent payment options that help customers take control of their financial future and merchants grow their businesses.

## Products & Services
- **Zip Pay / Zip Money (ANZ)**: Consumer credit products allowing installment payments at checkout (SaaS / financial service)
- **Quadpay (US)**: Similar point-of-sale installment payment service for US consumers and merchants
- **Global payment platform**: Connects 6.3 million active customers with 85.5 thousand merchants across two core markets; also offers a product overview presentation and a Stripe US partnership [zip.co](https://zip.co/investors)

## Market Standing
- **Market Cap**: ~$3.6 billion AUD (as of early July 2025) [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life)
- **Key Metric (Public)**: FY25 Total Income of $1,081.1 million; Transaction Volume (TTV) of $13.1 billion; Cash EBTDA of $170.3 million (up 147.0% YoY); Operating Margin of 15.8%; Net bad debts as a percentage of TTV at 3.9% [zip.co](https://zip.co/investors)
- **Notable Investors / Partners**: Listed on ASX; strategic partner includes Stripe (US partnership); no specific lead investors cited for private rounds as it is public
- **Growth Signals**: Strong operating leverage (margin improving to 15.8%), 30.3% TTV growth, focus on AI and agentic commerce; headcount of 763 (down 4.1% YoY, indicating efficiency focus) [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life) [zip.co](https://zip.co/investors)

## Competitive Advantages
- **Global BNPL platform** with a sizable, loyal customer base (6.3M active) and merchant network (85.5K)
- **Brand recognition** in two core markets (ANZ and US) with a localised product suite
- **Technology partnerships** (e.g., Stripe) that extend reach and reduce integration friction
- **Focus on responsible lending** and transparent pricing, differentiating from less regulated competitors

## Strategic Focus
- Deepening AI capabilities: actively hiring for Principal Engineer, Generative & Agentic AI and Group Product Manager, AI (Products) [zip.co](https://zip.co/careers/roles)
- Driving profitability: operating margin turned positive (15.8%) and Cash EBTDA surged 147% in FY25
- Expanding merchant and customer base through partnerships and product innovation (e.g., agentic commerce)
- Efficiency improvements, as reflected in a leaner headcount while revenue grows

## Why Work Here
- **Culture**: Values-led – Customer First, Own It, Stronger Together, Change the Game. Emphasis on connection, mentorship, and career growth.
- **Work model**: ANZ follows a hybrid model (in-office + remote); US team is mostly remote; work-from-anywhere policy (up to 4 weeks/year globally) [zip.co](https://zip.co/careers)
- **Benefits** (vary by location): Up to 16 weeks paid primary caregiver leave, short-term incentive (STI) awards, wellbeing allowance, quarterly wellbeing days, 25 days annual leave (ANZ) / unlimited PTO (US), professional development leave, fee-free Zip products, and mental health support via Sonder, Talkspace, etc. [zip.co](https://zip.co/careers)
- **Diversity**: Gender equality targets – 40% women, 40% men, 20% any gender across the workforce
- **Hiring process**: Four-phase process (talent screen, functional interview, leadership & values interview, take-home challenge) typically completed in 2–4 weeks [zip.co](https://zip.co/careers)

## Sources
1. [zip.co](https://zip.co/about-us)
2. [zip.co](https://zip.co/careers)
3. [zip.co](https://zip.co/investors)
4. [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life)
5. [zip.co](https://zip.co/careers/roles)

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