Associate Credit Analyst

Fast-paced, high volume environment using modern tech to assess credit applications Hybrid work arrangement, with 2-3 days in our Circular Quay office Start your adventure with Zip 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 in just inutes, 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. What you’ll own and support Assess line of credit applications within the company’s credit policy guidelines 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 to directly impact Zip’s commercial outcomes Assist with additional Credit-related ad-hoc tasks as required To help us level up, you’ll bring 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 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: Mental health and wellness initiatives, including $299 annual wellbeing allowance and free access for you and family members to our EAP service Sonder 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 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 that bring customers and merchants together. Operating in two core markets – Australia and New Zealand (ANZ) and the US, Zip offers 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. Building for Diversity, Inclusion and Balance (ANZ) At Zip we are passionate about building for diversity, inclusion and balance so we can bring out the best in all Zipsters; existing and new. That's why we have launched a dedicated DEI strategy called “Building for Balance”. To help us achieve this we’re committed to continuously monitoring our progress, learning from our people and trying new things so we can build a truly diverse and inclusive team. We would love your help by taking part part in this anonymous survey which will help us evaluate our efforts. This is completely voluntary and not taking part will have no impact on your job application. All information is anonymous and not connected to your name or job application and will be kept secure and used solely to evaluate our diversity and inclusion programs. By answering this survey, I give my consent for Zip to process this data. #J-18808-Ljbffr