About the role.

Join us at the heart of a fast-moving, data-driven credit risk function where your work will directly shape Zilch’s rapid growth. In this role, you’ll take ownership of key credit and fraud metrics, driving initiatives that optimise approval rates, loss performance, and overall portfolio health. You’ll combine sharp analytical thinking with strong commercial awareness to uncover risk patterns, deliver actionable insights, and influence automated decisioning strategies at scale. Working closely with senior stakeholders and cross-functional teams you’ll help identify and deliver the initiatives that will drive profitable growth. If you’re excited by solving complex problems with data, championing measurable impact, and playing a pivotal role in building smarter credit strategies, this is a unique opportunity to make a real difference in a high-growth environment.

Day-to-day responsibilities.

• Own key metrics and drive specific initiatives and projects. You will champion the success of the initiatives, ensuring that the business draws the right conclusions.
• Optimising credit strategies for profitability, loss rates, approval rate and other KPIs
• Provide actionable insights and recommendations to your stakeholders for automated decisioning.
• Analysing data to find patterns of high-risk transactions from both a credit and fraud perspective and develop mitigating strategies.
• Collaborating with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit-related issues, and provide guidance on credit risk matters.
• Monitoring the credit portfolios to identify and assess any changes in credit risk exposure. This may involve tracking credit performance, conducting periodic reviews, and identifying potential delinquencies or defaults
• Preparing reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders.
• Staying updated on market trends, economic developments, and industry-specific factors that may impact credit risk.
• Interacting with data providers (especially credit bureaus), preparing samples for retro analysis, and assessing their solutions.

What we’re looking for...

• Ideally 5 years+ of experience in credit risk with direct exposure in strategy and analytics
• Experience in optimising onboarding and portfolio management process to improve credit driven OKRs
• A strong SQL background with experience in querying large databases deriving actionable insights
• Strong stakeholder management and communication skill, comfortable at presenting data result to senior levels
• Experience in data visualisation tools such as Looker, Tableau, Power BI etc.
• A champion of metrics and the measurement of impact, with the inquisitive acumen to explain the “Why”, not just the “What”
• A team player who enjoys a collaborative and fast paced agile environment while being able to work independently
• Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail
• Exposure to building, implementing, or optimizing automated credit decisioning systems or workflows is a plus

To apply for this role, please submit your CV along with a cover letter.

We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business.

We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success.

Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief.

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