Strategic Risk Optimiser

3 days ago

Sydney, New South Wales, Australia beBeeDataScientist Full time

Zip Co Sydney, New South Wales, Australia

Data Scientist (Credit Risk)

Be among the first 25 applicants

  • 3+ years of experience to assist with optimising credit limits and automated decisioning.
  • Foster innovation and data-driven solutions that underpin our Credit Risk strategy.
  • This is a hybrid role with two team connect days in either our Sydney or Melbourne office.

When you join Zip's Risk team, you will be involved in business-critical initiatives related to our ANZ strategy, including enhancing credit risk management and decisioning capabilities.

Our Risk Management & Data Science team plays a key role in credit risk strategy, decisioning, forecasting, portfolio analytics, and controls monitoring, serving as a bridge between the business and stakeholders.

What You'll Own

  • Drive continuous improvement and optimisation of credit limit strategies.
  • Implement behavioural models for optimal decisioning aligned with risk appetite.
  • Maintain and improve automated decisioning for credit limit applications.
  • Develop rules to optimise approval rates and limit provisioning.
  • Implement, test, and monitor rules on the decision platform.
  • Collaborate with stakeholders on credit risk initiatives.

What You'll Bring To The Team

  • Experience in retail banking or consumer finance, specifically in Credit Risk.
  • Proficiency in SQL and either Python, R, or SAS.
  • Experience creating analytical dashboards with BI tools like Tableau.
  • An innovative mindset embracing AI and new tools.
  • Strong risk management skills, whether as a leader or an individual contributor.
  • Alignment with Zip's values: Customer First, Own It, Stronger Together, Change the Game.

What You'll Get In Return

We offer opportunities for skill development, broader responsibilities, and impactful work. At Zip, your contributions are valued, and you'll be supported by a friendly, inclusive environment.

Benefits include:

  • 25 days paid leave annually, including birthday leave and wellbeing days.
  • Paid parental leave and support policies.
  • Mental health and wellness initiatives, including allowances and access to wellbeing platforms.
  • Volunteer, study, and cultural leave days.
  • Product discounts, social events, and office perks.

We celebrate diversity and are committed to inclusive recruitment and workplace practices. Please inform us of any adjustments needed to support your application.

About Us

Zip Co Limited (ASX: ZIP) is a digital financial services company operating in Australia, New Zealand, and the US, offering point-of-sale credit and digital payment solutions to millions of customers and merchants worldwide. We are guided by our core values: Customer First, Own It, Stronger Together, and Change the Game.

Additional Details

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Engineering and Information Technology

Industries: Financial Services and IT Services and IT Consulting

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