---
title: 'Senior Risk Analyst at Zip Co Limited'
canonical: 'https://feeny.ai/job/senior-risk-analyst-zip-co-limited-united-states-tffg42bfwgas'
type: 'job'
last_seen: '2026-09-06'
---

# Senior Risk Analyst at Zip Co Limited

- **Company:** Zip Co Limited
- **Location:** United States
- **Posted:** 2026-09-04
- **Last confirmed live:** 2026-09-06
- **Apply:** https://job-boards.greenhouse.io/zipcolimited/jobs/4703531006

## Job description

- Experienced Senior Risk Analyst proficient in SQL, Python, or PySpark
- 3-5+ years of analytics experience working as a risk/data analyst in Credit or Fraud Risk or Collections
- Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

As a Senior Risk Analyst at Zip, you’ll use data to directly shape how we improve repayment outcomes and evolve our collections strategy. You’ll take end-to-end ownership of high-impact analytics, turning complex data into clear insights and recommendations that improve repayment rates, optimize collection costs, and help the business identify emerging risks and opportunities. Along the way, you’ll apply SQL, Python or PySpark and AI-enabled tools to work more efficiently, challenge assumptions, and support smarter, faster decision-making.

You’ll join a highly collaborative Risk team where curiosity, critical thinking, and ownership are valued. Partnering with stakeholders across Zip and our external collections partners, you’ll have the opportunity to influence high-visibility initiatives, test and learn from new approaches, and see your analysis translate into meaningful action for both our customers and the business.

Interesting problems you’ll get to solve

- Lead the analytics on initiatives to improve repayment rates in the short term and long term and optimize collection costs.
- Develop insights capabilities to monitor performance and proactively identify trends, anomalies, and emerging risks.
- Identify optimization opportunities in Zip’s external debt collections strategy, monitor agency performance and work closely with the vendors.
- Enjoy end to end ownership of your analytics and get the chance to work in an exceptionally collaborative environment.
- Partner closely with key stakeholders across the organization to drive high visibility strategic initiatives.
- Identify and drive opportunities to leverage AI to improve collections decision-making, automate insights, and optimize customer and business outcomes.

## What you’ll bring to the team

- 5+ years of experience in Credit Risk, Fraud Risk, or Collections, with expert SQL skills and a passion for analyzing data in the Risk domain.
- Candidates with 3+ years of relevant experience and an advanced degree may also be considered based on the depth and relevance of their experience.
- Proven analytics experience working as a risk/data analyst. Prior experience in the finance or lending industry preferred.
- You are data-driven, eager to understand the numbers and provide meaningful insights. You can influence decision makers with a proactive approach to drive results and improvements across the business.
- Advanced knowledge of SQL is a must, knowledge of Python or PySpark is preferred. Experience on data visualization tools like Tableau or PowerBI is a plus.
- Growth mindset and eagerness to apply AI tools to streamline workflows and improve day-to-day efficiency
- You have strong written and verbal communication skills with the ability to adapt to different audiences.
- You are self-organized with the ability to operate independently and prioritize effectively while using sound judgment and engaging senior stakeholders at key decision points.
- You enjoy working in a fast-paced environment where competing priorities and ‘test and learn’ based iterations are the norm.

## 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 $116,000 - $140,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

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

*Please note that visa sponsorship is not available for this position.

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. #LI-Remote

[Before you apply, give Zip a try   -> rebrand.ly/check-zip-out](https://rebrand.ly/check-zip-out)

## 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)

## Other roles at Zip Co Limited

- [Business Process Manager](https://feeny.ai/job/business-process-manager-zip-co-limited-sydney-q6yrvm3jes1e) — Sydney, Australia
- [Sr. Partner, Credit, Model & Fraud Risk Oversight](https://feeny.ai/job/sr-partner-credit-model-fraud-risk-oversight-zip-co-limited-united-states-66ntszwe38a0) — United States
- [Senior Data Analyst, Credit Risk](https://feeny.ai/job/senior-data-analyst-credit-risk-zip-co-limited-melbourne-b59rd49p8bt8) — Melbourne, Australia / Sydney, Australia
- [Senior GTM Systems Manager](https://feeny.ai/job/senior-gtm-systems-manager-zip-co-limited-united-states-r8wvt5n6ewgn) — United States
- [Associate Director, Fraud and Disputes Operations](https://feeny.ai/job/associate-director-fraud-and-disputes-operations-zip-co-limited-united-states-317949vrn69r) — United States
- [Senior Technical Product Manager - Underwriting Platform](https://feeny.ai/job/senior-technical-product-manager-underwriting-platform-zip-co-limited-united-m5sf18czhqef) — United States
- [Senior Product Manager, Internal Agentic Processes](https://feeny.ai/job/senior-product-manager-internal-agentic-processes-zip-co-limited-melbourne-d9q0p1vrzzf1) — Melbourne, Australia / Sydney, Australia
- [Senior Product Manager, Agentic Commerce](https://feeny.ai/job/senior-product-manager-agentic-commerce-zip-co-limited-melbourne-hra93bbgqr2z) — Melbourne, Australia / Sydney, Australia
- [Senior Data Engineer, AI Platform](https://feeny.ai/job/senior-data-engineer-ai-platform-zip-co-limited-united-states-v81jg3m641ba) — United States
- [Senior People Partner](https://feeny.ai/job/senior-people-partner-zip-co-limited-united-states-11541h81p61d) — United States