Credit Analyst

  • Company:
    Zip
  • Location:
  • Salary:
    negotiable / month
  • Job type:
    Full-Time
  • Posted:
    17 hours ago
  • Category:
    Finance

About usWe are Zip, a global Buy Now, Pay Later company providing fair and seamless solutions that simplify how millions of people pay. Our journey began in Australia, has taken us to 12 countries (so far) – and we’re just getting started.We exist to create a world where people can live fearlessly today, knowing they’re in control of tomorrow. Focused on product innovation that puts people at the centre, we put the financial well-being of our customers and merchant partners at the heart of everything that we do.About the roleAs a Credit Analyst in our Underwriting Team, you will help empower Zip’s ethical and responsible credit practices by taking the lead on credit analysis and decisioning on our products. You will employ both exemplary customer service and analytical skills as a representative of the brand.You’ll utilise multiple comprehensive data and technology tools to assess credit applications in just minutes, enabling us to provide a market-leading service level and customer experience.If you’re excited at the prospect of developing your collaborative, analytical and communication skill sets in addition to working with one of the biggest pioneers in Fintech, Zip is the perfect home for you.

What you’ll own and support:

  • Assess line of credit applications within the company’s credit policy guidelines.
  • Ability to analyse application data to determine creditworthiness and approval amounts.
  • Liaise with customers when required to ensure a high level of credit analysis and decisioning.
  • Proactively seek to improve credit risk and control standards.
  • Assist with additional Credit-related ad-hoc tasks as required.
  • To help us level up, you’ll bring:

  • Proven loans assessment experience in the customer credit or banking sectors.
  • Sound problem-solving, analytical and decision-making skills.
  • Strong worth ethic and ability to work collaboratively.
  • Ability to work under pressure in a fast-paced, high volume environment.
  • Collaborate with other areas of the business to improve categorisation on banking data, optimise existing lending rules and improve processes for Zip and customers alike.
  • Work closely with the Customer Service & Risk teams on a daily basis.
  • Flexibility – Zip operates 7 days a week so may require you to work the occasional weekend shift.
  • We’re proud to be a values-led business. Our values form our Mamba mentality – how we’re better today than yesterday, and are used to create game-changing experiences for our customers and fellow Zipsters.If you only meet some of the requirements for this role, that’s okay. We value a diverse range of backgrounds and ideas and believe this is fundamental for our future success. So, if you have the curiosity to learn and the willingness to teach what you know, we’d love to hear from you.We pride ourselves on creating an inclusive workplace that provides equal opportunities to all persons regardless of their age, cultural background, sexual orientation, gender identity and expression, disability, veteran status, or anything else.What’s in it for you?We offer a variety of perks and benefits to support you at both work and home. Here’s a taste of what you can expect!● Flexible working culture● Share incentive programs● Generous paid parental leave● Leading family support policies● Paid birthday and volunteering leave● Mental health and wellbeing program● Virtual yoga and meditation classes● Epic office with a casual dress code● Fun team with high-growth hustle● Remote working allowance● Heaps of social eventsJoin us on our mission to be the first payment choice, everywhere and every day.