Senior Credit Analyst

• Assess credit applications using modern tech with your prior loans assessment experience
• Fast-paced, high volume environment with connections to multiple internal stakeholders
• We work 3 days a week in the office

Start your adventure with Zip

With a broad remit across credit analysis and decisioning, customer relationship management and the delivery of ethical and responsible credit practices, our Underwriting team is a key strategic interface with a varied range of internal stakeholders. Working with world-class technology platforms and comprehensive data, you will be empowered to analyse and assess credit applications, enabling a best-in-class experience for customers who choose to shop with Zip. 

Beyond experience in the customer credit or banking sectors, Zipsters who are often successful in this team appreciate collaboration, excellence in customer service and the value of data-driven decision making. 

Cool stuff you’ll be working on

• Assess line of credit applications within the company’s credit policy guidelines
• Have a deep understanding of KYC obligations
• Analyse application data to determine creditworthiness and approval amounts
• Drive customer acquisition and retention through superior customer service
• Engage with the team to optimise the current credit risk and control standards
• Work effectively with all peers and stakeholders to work through complex situations, escalations, risk identification and mitigation, etc 
• Deliver quality and consistency in every customer interaction
• Engage with new team members to facilitate onboarding and training sessions
• Lead or assist various other functions within the team, including training and supporting our Associate Credit Analysts and Credit Analysts, complex lending decisions, escalations, and interdepartmental collaboration

What you’ll bring to the team

Zipsters work with a broad range of tools, languages and platforms, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow. 

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

• Previously held a DLA (minimum 3+ years experience) in the customer credit or banking sectors, preferably dealing with personal loans and credit cards
• Sound problem-solving, analytical and decision-making skills
• Ability to work autonomously
• Experience in facilitating coaching sessions
• Strong base of knowledge to handle any complex lending situations
• Strong work ethic and enjoys working collaboratively
• Ability to work under pressure in a fast-paced, high volume environment
• Close collaborations with the Customer Service & Risk teams on a regular basis
• Ability to multi-task and make informed decisions
• Established track record of exceeding targets, KPIs, and SLAs, in a quality-led, legislatively compliant environment
• Ability to work with Team Leaders to provide support for business tasks
• A can-do attitude and keen to make the customer experience the best it could be

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 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, 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:

• Funding and up to 2 days leave for your professional development
• 25 days paid leave annually, including birthday leave and quarterly wellbeing days
• 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
• Family support policies including miscarriage bereavement leave and domestic violence leave
• Mental health and wellbeing initiatives, including $299 annual wellbeing allowance, free fitness classes, and discounted gym membership
• 2 days paid volunteering leave per year
• Fee-free Zip products, and discounts with Zip merchant partners (AU)
• Share incentive programs to give you skin in the game
• Team social events, epic offices, free breakfast daily, and weekly free lunches (Sydney)

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 is a global ‘Buy Now, Pay Later’ company that gives our millions of customers simpler and fairer ways to pay. 

We are proud to be a global business built around our US and ANZ core markets working with merchant partners including Amazon, Best Buy, eBay and Uber. United by our mission, purpose and values - Customer First, Own It, Stronger Together & Change The Game - we are the next generation of payments, helping people across the globe to fearlessly take control of their financial future.

We are Zip, and we are just getting started.

We are a proud 2023 Circle Back initiative employer and will respond to every applicant.