Job Description

The Credit, Model & Fraud Risk Oversight Lead will establish and scale second-line risk governance across Zip’s U.S. portfolio, ensuring decisions align with regulatory expectations and bank partner scrutiny. This role involves evaluating creditworthiness, model integrity, and fraud patterns, identifying emerging risks, and collaborating with stakeholders to improve risk processes.

Responsibilities

• Lead and build the second line oversight framework for credit, model, and fraud risk
• Review first line risk strategies
• Provide oversight of model risk management practices
• Evaluate credit and fraud risk exposures
• Identify emerging credit and fraud threats
• Partner with stakeholders to investigate incidents and/or policy violations
• Collaborate with Legal, Compliance, and Product to ensure risk decisions align with regulatory expectations
• Analyze and communicate on key risk indicators and portfolio trends
• Contribute to credit risk governance reporting and audit readiness
• Strengthen risk governance by enhancing policies, standards, and communication
• Stay ahead of industry trends and regulatory developments

Requirements

• 8+ years of experience in Credit, Model and Fraud Risk
• Experience in building risk oversight framework and analyzing risk data
• Advanced SQL skills and experience working with large datasets
• Data-driven mindset with a bias for action
• Excellent written and verbal communication skills
• Familiarity with AI tools
• Comfort operating in fast-paced environments

Benefits

• No benefits