Credit Analyst

• Assess credit applications using modern tech and prior loans assessment experience
• Fast-paced, high volume environment with connections to multiple internal stakeholders
• We work 3 days a week in the office, usually Tuesday-Thursday

Start your adventure with Zip

As 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 in addition to analytical skills as a representative of the brand. You’ll leverage multiple comprehensive data and technology tools in assessing credit applications in just minutes, enabling us to provide a market-leading service level and customer experience.

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. 

Cool stuff you’ll be working on

• 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
• Work effectively with all peers and stakeholders to identify any potential risks 
• Deliver quality and consistency in every customer interaction
• Assist with additional Credit-related ad-hoc tasks as required

What you’ll bring to the team

Zipsters work with a broad range of tools, languages and platforms, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow. 

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

• Proven loans assessment experience (2+ years) in the customer credit or banking sectors, preferably dealing with personal loans and credit cards
• Previously held a Delegated Lending Authority 
• Have a deep understanding of Know Your Customer obligations
• Sound problem-solving, analytical and decision-making skills
• Strong worth ethic and ability to work collaboratively
• Ability to work under pressure and multi-task in a fast-paced, high volume environment
• Established track record of exceeding targets, Key Performance Indicators, and Service Level Agreements, in a quality-led, legislatively compliant environment
• Flexibility - we operate seven days a week so may require you to work the occasional weekend shift
• 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.

What you’ll get in return

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:

• 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 Wellbeing platform Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave, 2 days study leave and 2 days religious or cultural leave per year
• 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.

And finally…get to know us

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

Operating in two core markets - Australia and New Zealand (ANZ) 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.

#LI-Hybrid

We are a proud 2025 Circle Back initiative employer and will respond to every applicant.