Senior Risk Analyst

About the role

Lead the analytics on initiatives to improve repayment rates in the short term and long term and optimize collection costs.
Develop insights capabilities to monitor performance and proactively identify trends, anomalies, and emerging risks.
Identify optimization opportunities in Zip’s external debt collections strategy, monitor agency performance and work closely with the vendors.
Partner closely with key stakeholders across the organization to drive high visibility strategic initiatives.
Identify and drive opportunities to leverage AI to improve collections decision-making, automate insights, and optimize customer and business outcomes.

Responsibilities

• Lead the analytics on initiatives to improve repayment rates in the short term and long term and optimize collection costs.
• Develop insights capabilities to monitor performance and proactively identify trends, anomalies, and emerging risks.
• Identify optimization opportunities in Zip’s external debt collections strategy, monitor agency performance and work closely with the vendors.
• Partner closely with key stakeholders across the organization to drive high visibility strategic initiatives.
• Identify and drive opportunities to leverage AI to improve collections decision-making, automate insights, and optimize customer and business outcomes.

Requirements

5+ years of experience in Credit Risk, Fraud Risk, or Collections, with expert SQL skills and a passion for analyzing data in the Risk domain. Candidates with 3+ years of relevant experience and an advanced degree may also be considered based on the depth and relevance of their experience.

Proven analytics experience working as a risk/data analyst. Prior experience in the finance or lending industry preferred.

You are data-driven, eager to understand the numbers and provide meaningful insights. You can influence decision makers with a proactive approach to drive results and improvements across the business.

Advanced knowledge of SQL is a must, knowledge of Python or PySpark is preferred. Experience on data visualization tools like Tableau or PowerBI is a plus.

Growth mindset and eagerness to apply AI tools to streamline workflows and improve day-to-day efficiency.

Strong written and verbal communication skills with the ability to adapt to different audiences.

Self-organized with the ability to operate independently and prioritize effectively while using sound judgment and engaging senior stakeholders at key decision points.

Enjoy working in a fast-paced environment where competing priorities and ‘test and learn’ based iterations are the norm.

Qualifications

Advanced degree in a quantitative field such as statistics, economics, computer science, or a related field.

Skills

• Expert SQL skills
• Knowledge of Python or PySpark
• Data visualization tools like Tableau or PowerBI
• Advanced knowledge of AI and machine learning

Benefits

Flexible working culture
Incentive programs
Unlimited PTO
Generous paid parental leave
Leading family support policies
Company-sponsored 401k match
Learning and wellness subscription stipend
Beautiful Union Square office with a casual dress code
Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Pay

The annual base Pay Range for this position is $116,000 - $140,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Schedule

This is a remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office.