Director, Credit & Enterprise Risk Advisory

About the role

Lead Zip's Line 2 Risk Advisory function across Australia and New Zealand, providing independent oversight, challenge and strategic advice on enterprise risk. Reporting to the Chief Risk & Compliance Officer, you will manage a team of five risk professionals and influence executive decision‑making.

Key responsibilities

• Set strategic direction and deliver the annual Risk Advisory work programme for the ANZ region.
• Partner with senior leaders to embed risk management into strategic planning, operational decisions and transformation initiatives.
• Provide independent challenge and commercially balanced advice on material risks, emerging issues, risk appetite and control effectiveness.
• Oversee credit and financial risk functions, including portfolio performance, underwriting, model governance and stress testing.
• Lead the Second Line Controls function, strengthening controls assurance and the overall control environment.
• Deliver high‑quality enterprise risk reporting and insights to executive leadership, risk committees and the Board.

Required profile

• 15+ years’ experience leading first or second line risk functions in financial services, fintech or a highly regulated industry.
• Proven ability to partner with executive leadership, board committees and senior stakeholders to provide clear, practical risk advice.
• Strong leadership capability with experience building high‑performing specialist teams.
• Exceptional stakeholder management, influencing and communication skills.

Required skills

• Deep expertise in credit risk, financial risk and enterprise risk management.
• Knowledge of consumer lending, portfolio oversight, model governance and credit risk frameworks.
• Experience with controls assurance or non‑financial risk oversight.
• Ability to leverage AI, automation and modern analytical capabilities to improve risk oversight.

What we offer

• 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 such as miscarriage bereavement leave and domestic violence leave.
• Wellness allowance, EAP service, discounted private health insurance and fitness memberships.
• 2 days paid volunteering leave per year and access to Flare Benefits Hub and novated leasing.
• Fee‑free Zip products, merchant discounts and regular team social events.