Credit Data Analyst

About Zeller
At Zeller, we’re champions for businesses of all sizes, and proud to be a fast-growing Australian scale-up taking on the ambitious goal of reimagining business banking and payments.
We believe in a level playing field, where all businesses benefit from access to smarter payments and financial services solutions that accelerate their cash flow, help them get paid faster, and give them a better understanding of their finances. So we’re hard at work building the tools to make it happen.
Zeller is growing fast, backed by leading VCs, and brings together a global team of passionate payment and tech industry professionals. With an exciting roadmap of innovative new products under development, we are building a high performing team to take on the outdated banking solutions. If you are passionate about innovation, thrive in fast-paced environments, embrace a challenge, hate bureaucracy, and can’t think of anything more exciting than disrupting the status-quo, then read on to learn more. 
We are looking for Data Analysts with specialist / domain knowledge to join the Zeller Data team to support the exploration, build and experimentation of credit risk models in credit related products. This role blends expertise in data analytics with a deep understanding of credit risk and liquidity products. 
You will be a core contributor to the development and management of credit risk products at Zeller.
The ideal candidate will have 3 - 5 years of experience, with a strong background in data analysis, credit risk management. You should have excellent communication skills, and the ability to work collaboratively with various stakeholders to ensure the successful delivery of credit risk solutions within the product.
Responsibilities

Analytics + Data

• Perform thorough analysis and articulation of credit risk model data requirements.
• Analyse large amounts of data: facts, figures, and number crunching. See through the data and find conclusions by data-mining activities, in-depth data analysis, validating by combining and interpreting data.
• Develop and maintain data-driven credit risk management frameworks for credit and lending products, including secured credit cards, liquidity products, and future credit offerings.
• Develop statistical methodologies, create robust estimations and produce the simulations on credit risk.
• Construct and optimise credit risk models throughout the credit lifecycle to achieve target risk-adjusted returns.
• Utilise internal, third-party, and credit bureau data to conduct in-depth analyses, identify gaps, mitigate losses, and support product growth.
• Drive data modelling requirements for analytics and data engineers.

Policy

• Collaborate with internal stakeholders to write and refine credit policies/rules and procedures.
• Develop and own ongoing processes and reporting mechanisms for lending and liquidity products.

Product Development

• Partner with Product and Engineering teams to validate and deploy rules and policies effectively.
• Work closely with Strategy and Operations to implement the credit risk operating model and associated processes

Experience

• A degree in e.g. Mathematics, Computer/Data Science, Information Management or Statistics is required
• Knowledge of and experience in Data Analysis in the area of financial or credit risk - particularly unsecured lending products
• SQL expertise is required
• Advanced Python / PySpark programming skills are required. Experience in R or similar statistical programming languages / packages is an advantage. 
• Experience with AWS S3, Databricks, and dbt is also an advantage
• Experience in working with credit or market risk modeling (PD, LGD, EAD)

Your attributes

• You love to challenge the status-quo
• You’re agile, ambitious, and motivated to be the best at everything you do
• Ability to work both independently and collaboratively in a team environment
• Excellent attention to detail - Data is precise, vigilance in analysis to come to correct conclusions is key
• Structured problem solving skills and comfortable with ambiguity;
• Be able to continually balance speed, perfection, and actionable outcomes from your analysis.

How we workOur team thrives on the energy of being together. While technology connects us virtually, we love the in-person collaboration and spend majority of our work week at our spacious (and fully stocked with snacks) Melbourne CBD office.
Like the rest of the team, you’ll benefit from
A competitive salary package, including equity from an early stage;A balanced, progressive, and supportive work environment;Excellent parental leave and other leave entitlements;A fantastic office environment;Endless learning and development opportunities;Plenty of fun and social opportunities - we love to come together as a team;An ability to influence and shape the future of Zeller as our company scales both domestically and globally;Being part of one of Australia’s most exciting scale-ups.
At Zeller, we are looking for passionate people with drive and integrity. You are encouraged to apply even if your experience doesn’t exactly match this job description.