Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

About the Role

As a Senior Data Analyst in Credit Risk Management, you’ll take end to end ownership of Zip’s Expected Credit Loss and loss forecasting processes. You’ll connect portfolio performance with ECL, losses and forward looking forecasts, while continually improving the quality, automation and explainability of our approach. This is an opportunity to combine deep analytical thinking with meaningful stakeholder influence, partnering closely with Credit Risk, Finance and Data to turn complex movements into clear insights and recommendations.

Responsibilities

Own the monthly ECL operating cycle and loss forecasting process, delivering accurate, timely and explainable outcomes
Lead quarterly ECL parameter monitoring, investigating material movements and connecting changes in portfolio performance with expected loss outcomes
Continuously improve the ECL production code base, automation, controls, repeatability and turnaround times
Strengthen data governance and controls, identifying data quality issues early and partnering with our Data team to resolve them
Lead regular ECL discussions with senior Credit Risk and Finance stakeholders, translating complex analysis into clear insights, decisions and actions
Own the methodology, assumptions, scenario analysis and variance analysis underpinning loss forecasts, continually looking for opportunities to improve forecast accuracy
Lead the annual ECL review, including methodology and performance assessments, back testing, documentation and support for internal and external audit activity
Explore how AI and new technology can make our forecasting and analytical processes faster, smarter and more effective
Provide analytical support for bad debt sale initiatives and other emerging Credit Risk priorities

Requirements

Experience in credit risk analytics within retail banking, consumer finance or another regulated financial services environment
Strong experience in credit loss forecasting or portfolio loss analytics, with the ability to connect portfolio performance, delinquency and write offs with expected loss outcomes
Practical experience with ECL, including PD, LGD and EAD, impairment processes and credit risk parameter monitoring
Strong SQL skills and experience maintaining analytical code, with exposure to Python, R or SAS highly regarded
A disciplined approach to data quality, testing, controls, documentation and production change management
Strong stakeholder management and communication skills, with the confidence to explain analytical outcomes, challenge assumptions and lead discussions with senior stakeholders
The ability to translate complex analysis into clear recommendations that support effective decision making
A mindset that embraces AI and new tools to adapt, learn and grow
An aptitude for identifying and managing risks
Our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do

Skills

Credit risk analytics
ECL
Loss forecasting
SQL
Python
R
SAS
Stakeholder management
Communication

Location

Sydney
Melbourne

Work Type

Hybrid

Experience Level

Senior

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
Team social events, epic offices, free breakfast daily, and weekly free lunches

About the Company

Zip Co Limited (ASX: 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 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

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.