Senior Risk Analyst

Company: Zip
Location: Elkins Park
Posted on: November 1, 2025

Job Description:

Experienced Senior Risk Analyst proficient in SQL, Python, or PySpark 3-5 years of analytics experience working as a risk/data analyst in Credit or Fraud Risk or Collections Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office Start your adventure with Zip Join our Risk team at Zip, where we focus on ensuring the success and profitability of portfolio. Our team leverages analytics to manage exposure, improve customer engagement, and continually manage fraud strategies. Simply put, we work to improve existing customer usage while minimizing losses. As a Senior Risk Analyst, youll spearhead the analytics for initiatives to enhance our Repayments and Collections strategies and optimize the associated costs through innovative solutions and A/B testing. Your role involves leveraging advanced analytics to drive actionable insights and develop go-to-market strategies. Youll monitor high-performance metrics, stay abreast of industry trends, and collaborate closely with stakeholders to drive strategic initiatives. With ownership over Risk governance and analytics, youll thrive in a collaborative environment where end-to-end ownership is key. Interesting problems you’ll get to solve • Lead the analytics on initiatives to improve repayment rates in the short term and long term, and optimize costs. • Develop insights capabilities to monitor performances and proactively identify trends and anomalies. • Optimize Zip’s external debt collections strategy, monitor agency performance, and work closely with the vendors. • Enjoy end to end ownership of your analytics and get the chance to work in an exceptionally collaborative environment. • Partner closely with key stakeholders across the organization to drive high-visibility strategic initiatives. What you’ll bring to the team • 3-5 years of experience in Credit or Fraud Risk or Collections, with expert SQL skills and a passion for analyzing data in the Risk domain. • Proven analytics experience working as a risk/data analyst. Prior experience in the financial services or lending industry is a must-have. • You are data-driven, eager to understand the numbers and provide meaningful insights. You can influence decision makers with a proactive approach to drive results and improvements across the business. • Advanced knowledge of SQL is a must, knowledge of Python or PySpark is preferred. Experience on data visualization tools like Tableau or PowerBI is a plus. • Growth mindset and eagerness to apply AI tools to streamline workflows and improve day-to-day efficiency • You have strong written and verbal communication skills with the ability to adapt to different audiences. • You are self-organized with the ability to operate independently and prioritize effectively. • You enjoy working in a fast-paced environment where competing priorities and ‘test and learn’ based iterations are the norm. What you’ll get in return Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at a fast pace and embrace change. Our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back. We think these are just some of the best things about being a Zipster. We will also offer you: • Flexible working culture • Incentive programs • 20 days PTO every year • Generous paid parental leave • Leading family support policies • 100% employer covered insurance • Beautiful Union Square office with a casual dress code • Learning and wellness subscription stipend • Company-sponsored 401k match

Keywords: Zip, Philadelphia , Senior Risk Analyst, Accounting, Auditing , Elkins Park, Pennsylvania