Associate Credit Analyst

• Assess credit applications using modern tech and prior loans assessment experience (preferred, not essential)
• Fast-paced, high volume environment with connections to multiple internal stakeholders
• Rotating roster from Monday - Friday (from 11AM -7PM) and Saturday - Sunday (from 6AM to 7PM). Predominantly working weeknights and weekends

With a broad remit across credit analysis and decisioning, customer relationship management and the delivery of ethical and responsible credit practices, our Underwriting team is a key strategic interface with a varied range of internal stakeholders. Working with world-class technology platforms and comprehensive data, you will be empowered to analyse and assess credit applications, enabling a best-in-class experience for customers who choose to shop with Zip. 

Beyond experience in the customer credit or banking sectors, Zipsters who are often successful in this team appreciate collaboration, excellence in customer service and the value of data-driven decision making.

• Assess line of credit applications within the company’s credit policy guidelines
• Analyse application data to determine creditworthiness and approval amounts for large volumes of customers
• Liaise with customers when required to ensure a high level of credit analysis and decisioning
• Proactively seek to improve credit risk and control standards to directly impact Zip’s commercial outcomes
• Assist with additional Credit-related ad-hoc tasks as required

• 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
• Ability to work weeknights, weekends and public holiday shifts - Zip operates 7 days a week
• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA: Customer First, Own It, Stronger Together and Change the Game

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands-on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.  

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• Mental health and wellness initiatives, including discounted private health insurance, and great rates on fitness sessions through ClassPass
• Team social events, epic offices, free breakfast daily, and weekly free lunches 

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.

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centred products.

Operating in two core markets - Australia and the US, Zip offers access to 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.