Senior Credit Analyst

As a Senior Credit Analyst at Zip, you'll be responsible for spearheading initiatives around Credit and Fraud Risk management. Key duties will include leveraging advanced analytics to drive actionable insights, optimizing strategies based on performance metrics, and collaborating closely with stakeholders to ensure the portfolio remains profitable while minimizing losses. You'll also own specific components of Customer Management Risk.

To qualify for the Senior Credit Analyst role at Zip, candidates should have 3-5+ years of experience in Credit or Fraud Risk, along with expert-level SQL skills. A background in data analysis, particularly in finance or lending, is preferred. Proficiency in Python or PySpark, experience with data visualization tools like Tableau or PowerBI, and strong analytical abilities are also essential to succeed in this role.

Success as a Senior Credit Analyst at Zip requires being data-driven and eager to unravel complex insights. Additionally, having the ability to influence decision-makers proactively will greatly enhance your impact. Being self-organized, capable of prioritizing in a fast-paced environment, and possessing a passion for customer-focused strategies will help you excel in this dynamic role.

At Zip, we champion a flexible working culture. As a Senior Credit Analyst, you'll have the option to work remotely from anywhere in the United States. For those who prefer in-person collaboration, our modern office located in Manhattan is open for business. We believe that this flexibility fosters a supportive environment for our employees.

Joining Zip as a Senior Credit Analyst comes with a comprehensive benefits package. You can expect flexible working arrangements, 20 days of PTO each year, generous paid parental leave, and 100% employer-covered insurance. There's also learning and wellness stipend, incentive programs, and a company-sponsored 401k match to support your financial future. We truly value our employees!

Certainly! Highlight specific projects where you utilized SQL to manage or analyze data in a financial context. Emphasize your ability to write complex queries, as well as how your insights from the data contributed to risk management strategies. Detailing your problem-solving approach using SQL will showcase your analytical capabilities effectively.

Discuss specific initiatives you've led or been a part of that aimed to decrease fraud rates or enhance fraud detection measures. Use quantifiable results if possible to illustrate your impact. Focus on your analytical methods and how you translated those insights into actionable strategies to safeguard the organization.

Share a particular example where collaboration was key to project success. Discuss your communication strategies, how you ensured alignment among diverse teams, and any challenges you faced. Emphasize the importance of understanding various perspectives to achieve a common goal, which is vital in a role like Senior Credit Analyst at Zip.

Talk about the specific tools or software you utilize for data analysis. You can mention how you set benchmarks, track key performance indicators, and the importance of continuous monitoring. Highlight how these techniques directly correlate with optimizing strategies related to credit and fraud risk.

Outline your approach to prioritization, emphasizing time management and the ability to stay organized. Share techniques like using task lists, setting deadlines, and leveraging digital tools to help manage competing priorities effectively. Highlight that being in a role such as the Senior Credit Analyst at Zip requires adaptability and an organized mindset.

Describe the project scope, your role, and the methodologies you applied to manage it effectively. Talk about how you set objectives, coordinated with others, and navigated any challenges, focusing on your decision-making process. This will demonstrate your project management skills relevant to the Senior Credit Analyst position.

Mention your experience with tools like Tableau or PowerBI and provide an example of how data visualization enhanced your analytical insights. Discuss any specific dashboards you created and how they contributed to decision-making processes, making them actionable for stakeholders.

Discuss the resources you follow, such as industry publications, webinars, and professional organizations. Mention any relevant networking groups or certifications you pursue to ensure that your skills remain sharp. This shows your commitment to continuous learning, valuable for a Senior Credit Analyst role.

Explain how you utilize data to drive experimentation, whether through A/B testing or hypothesis testing. Discuss how these methodologies have helped you optimize strategies and what key insights you've garnered from them in past roles relevant to being a Senior Credit Analyst.

Share a concrete example where your analytical insights led to a measurable improvement in a process or strategy. Discuss what tools you used, the data analyzed, and the resulting impact on the organization. This showcases your ability to translate data into effective strategies.