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About the Role

Lead the Line 2 Risk Advisory function influencing decisions that support sustainable growth. Bring deep expertise across Credit, Financial and Enterprise Risk, with a proven track record leading high performing risk teams in regulated financial services.

Responsibilities

• Lead the ANZ Line 2 Risk Advisory function, setting strategic direction, priorities and delivering the annual Risk Advisory work program.
• Partner with Executive Leadership and senior business leaders to embed effective risk management into strategic planning, operational decision making and business transformation initiatives.
• Provide independent challenge and commercially balanced advice on material risks, emerging issues, risk appetite and control effectiveness.
• Lead oversight of Credit and Financial Risk, including portfolio performance, underwriting, credit decisioning, model governance, stress testing and financial risk exposures.
• Lead the Second Line Controls function, strengthening controls assurance and continuously improving Zip's control environment.
• Partner with the Director, Risk & Compliance to evolve and enhance Zip's Enterprise Risk Framework, governance, policies and methodologies.
• Deliver high quality enterprise risk reporting, insights and recommendations to Executive Leadership, Risk Committees, the Audit & Risk Committee and the Board.
• Identify emerging risks, industry developments and regulatory changes, ensuring they are incorporated into Zip's enterprise risk approach.
• Chair the Non Financial Risk Forum and represent Risk Advisory across key governance committees including Regional Risk Committee, Product & Pricing Committee and Credit Risk Committee.
• Champion a strong risk culture by promoting continuous improvement, governance excellence and clear ownership of risk across the organisation.
• Lead, coach and develop a high performing team of five risk professionals, building capability, succession and an engaged, collaborative culture.
• Leverage AI, automation and modern analytical capabilities to strengthen oversight, improve operational efficiency and enhance decision making across the Risk function.

Requirements

• 15+ years' experience leading first or second line risk functions within financial services, fintech or another highly regulated industry.
• Deep expertise across Credit Risk, Financial Risk and Enterprise Risk Management, with strong knowledge of consumer lending, portfolio oversight, model governance and credit risk frameworks.
• Experience leading controls assurance or non financial risk oversight functions.
• Demonstrated success partnering with Executive Leadership, Board Committees and senior stakeholders to provide clear, practical and commercially balanced risk advice.
• Strong leadership capability with experience developing experienced risk professionals and building high performing specialist teams.
• Exceptional stakeholder management and influencing skills, with the ability to build trusted relationships across all levels of the organisation.
• Outstanding strategic thinking, analytical capability and communication skills, with the ability to translate complex risk issues into practical business outcomes.
• Strong commercial judgement with the ability to balance customer outcomes, regulatory obligations, risk appetite and business growth.
• A track record of driving meaningful outcomes, leading through change and delivering continuous improvement.
• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks.
• Our values in your DNA. Customer First, Own It, Stronger Together and Change the Game.

Skills

• Credit Risk
• Financial Risk
• Enterprise Risk Management
• Consumer lending
• Portfolio oversight
• Model governance
• Credit risk frameworks
• Controls assurance
• Non financial risk oversight
• Stakeholder management
• Influencing skills
• Strategic thinking
• Analytical capability
• Communication skills
• Commercial judgement
• AI
• Automation
• Modern analytical capabilities

Location

• Sydney

Work Type

• Hybrid
• Full-time

Experience Level

• 15+ years' experience

Benefits

• 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 EAP service Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave per year
• Access to the Flare Benefits Hub and Novated Leasing for savings across lifestyle, essentials and wellbeing
• 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)

About the Company

• Zip is a digital financial services company, offering innovative, people-centred products that bring customers and merchants together.
• Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers 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.

Equal Opportunity

• 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.