Data Scientist (Credit Risk)

• 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.

Write your story with a career at Zip!

When you join Zip’s Risk team, you will be putting your name to a variety of business-critical initiatives attached to our ANZ strategy, including uplifting our credit risk strategy and management, and credit decisioning capabilities.

With a broad remit across credit risk strategy and decisioning, forecasting, portfolio analytics and controls monitoring, our Risk Management & Data Science team is a key strategic interface between the business and a varied range of both internal and external stakeholders. 

What you'll own

• Drive continuous improvement and optimisation of strategies for credit limit allocation.
• Implement behavioural models to provide optimal decisioning outcomes in line with risk appetite.
• Improve and maintain automated decisioning for credit limit applications.
• Create and enhance rules to optimise approval rates and limit provision.
• Implement rules on the decisioning platform, test and monitor as required.
• Working with stakeholders to drive key credit risk initiatives across the business.

What you'll bring to the team

• Experience from a retail banking/consumer finance environment, specifically in Credit Risk.
• Strong exposure to analytical scripting languages, particularly SQL, and either Python, R or SAS.
• Experience in developing analytical dashboards using business intelligence tools, such as Tableau.
• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA: Customer First, Own It, Stronger Together and Change the Game.

What you’ll get in return 

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands-on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• 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 wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our Wellbeing platform Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass.
• 2 days paid volunteering leave, 2 days study leave and 2 days religious or cultural leave per year.
• Fee-free Zip products, and discounts with Zip merchant partners (AU).
• Team social events, epic offices, free breakfast daily, and weekly free lunches (Sydney and Melbourne).

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-centred 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.

#LI-Hybrid