Director Line 2 Credit and Financial Risk

Extensive experience within a Line 1 or Line 2 credit risk function in financial services or fintech consumer lending.

Proven expertise in credit risk oversight, portfolio analysis and execution of risk governance or oversight frameworks.

Strong knowledge of lending regulation, credit policy and financial risk management across credit, market or liquidity risk.

Experience monitoring credit model performance and overseeing model risk management practices.

A mindset that embraces AI and new tools to adapt, learn and grow.

Customer First, Own It, Stronger Together and Change the Game.

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.

Join Zip’s Risk function, where our teams play a critical role in protecting customers and supporting sustainable growth by ensuring the business operates within clearly defined risk appetite and governance frameworks.

As Director, Line 2 Credit and Financial Risk, you will provide independent oversight across the full credit lifecycle while partnering closely with leaders across credit, finance and treasury. This is a highly visible role where you’ll translate complex portfolio and financial risk insights into clear, actionable recommendations for senior leadership and governance forums.

You’ll bring a strong analytical mindset and the confidence to challenge constructively, helping Zip strengthen our risk capability while enabling responsible growth.

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 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.