Jobs at Zip Co

Executes and optimizes CRM and lifecycle marketing campaigns across email, push, SMS, and in-app channels. Manages segmentation, targeting, campaign setup, quality assurance, deployment, monitoring, reporting, troubleshooting, and workflow documentation. Analyzes engagement and campaign performance through testing and customer insights, recommends improvements, supports data integrations, and collaborates with Marketing, Product, Data, and CRM teams to improve personalization and operational efficiency.

Assess high-volume line-of-credit applications within company policy, analyze customer data to determine creditworthiness and approval amounts, communicate with customers when needed, and support credit risk controls and related tasks. The role requires strong analytical judgment, collaboration, problem-solving, and availability for rotating weeknight, weekend, and public holiday shifts.

Lead the design, development, and deployment of machine learning and agentic AI solutions. Apply advanced analytics, experimentation, statistical modeling, Python, and SQL to solve customer and business problems. Partner with Product, Engineering, and business teams to move ideas from experimentation into production, while communicating insights and mentoring others.

Own end-to-end verification and validation for complex cloud-native software systems. Design comprehensive testing strategies, build scalable backend and frontend automation frameworks, identify coverage gaps, perform root cause analysis, integrate tests into CI/CD pipelines, and improve testing efficiency. Apply AI-assisted tools to testing and debugging, evaluate emerging AI capabilities, mentor engineers, and raise quality standards across teams.

Lead marketing analytics across channel, campaign, cohort, and funnel performance. Build dashboards, reporting, AI-enabled analytical workflows, and data models that support marketing decisions. Conduct ad hoc analyses, evaluate attribution and incrementality, monitor data quality, and translate complex findings into executive recommendations. Partner with marketing and marketing science teams, influence strategic decisions, establish analytical standards, and mentor analysts.

Design, build and scale production-ready AI capabilities and applications using Python and modern cloud tech. Collaborate with cross-functional teams to deliver secure, observable, and responsible AI solutions, mentor engineers, drive architecture decisions, and ensure operational excellence across AI platforms.

Build and operate scalable batch, streaming, and event-driven data pipelines, cloud data platforms, trusted data products, and analytical models. Improve data quality, observability, reliability, performance, and cost efficiency while supporting risk, finance, product, analytics, and AI initiatives. Partner cross-functionally, influence architecture, lead complex technical initiatives, mentor engineers, and establish strong engineering practices including testing, CI/CD, governance, and infrastructure automation.

Own funding structure and SPV accounting, securitization transaction accounting, recurring close, reconciliations, trustee and investor reporting, financial statement support, and internal controls. Oversee treasury, payroll, and compensation accounting while partnering with cross-functional teams on audits, process improvements, automation, and finance operations scaling. The role requires strong US GAAP expertise, structured finance experience, and the ability to lead complex accounting initiatives.

Leads analytics strategy for Zip’s emerging financial products, from market sizing and launch readiness through adoption, retention, risk, and unit economics. Partners with Product, Finance, Risk, and Operations leaders to define metrics, build scalable dbt models and reporting frameworks, analyze customer and portfolio behavior, and guide strategic decisions. Establishes SQL and analytics standards, mentors analysts, and translates complex findings into recommendations for executives.

Own Zip’s affiliate and partner marketing programs end to end, including strategy, partner negotiations, campaign launches, optimization, performance reporting, and revenue growth. Manage advertiser relationships, coordinate cross-functional activation, identify monetization opportunities, and advise leadership using attribution and performance insights. The role requires strong commercial judgment, affiliate network expertise, and ownership of revenue targets across fintech, e-commerce, or marketplace channels.

Own and execute Zip’s CRM strategy across Australia and New Zealand, driving personalised customer engagement, product adoption, repeat usage, loyalty and sustainable growth. Lead lifecycle strategy, segmentation, targeting, experimentation and campaign optimisation while partnering with Product, Data, Creative, MarTech and Engineering teams. Use behavioural insights and performance analysis to identify opportunities, improve customer experiences and influence senior stakeholders on commercial outcomes and responsible product usage.

Lead end-to-end product design for complex financial experiences across native mobile and web. Own discovery, interaction and visual design, prototyping, delivery, measurement and continuous improvement. Use research, experimentation and product data to influence strategy, simplify customer journeys and build accessible experiences. Partner with Product, Engineering, Data, Marketing and Risk, contribute to Zip’s design system, explore AI-enabled experiences, facilitate alignment, and mentor through critique and knowledge sharing.

Own analytical strategy and develop AI/ML models for Zip’s financial products, including cash and rent advances. Lead ambiguous 0-to-1 initiatives using bank transaction data, establish evaluation frameworks, guide risk and growth decisions, and deliver models from experimentation through production. Provide technical direction to data scientists, mentor junior team members, collaborate with engineering, and advise senior stakeholders on model trade-offs. The role requires strong financial services, statistical, research, and machine learning expertise.

Manage enterprise, operational, compliance, third-party, and operational resilience risks for Zip Australia. Responsibilities include maintaining risk frameworks and policies, overseeing third-party assessments, analyzing incidents and emerging risks, preparing governance reporting, supporting business continuity and crisis management, monitoring regulatory expectations, and advising business leaders and first-line teams.

Leads Zip’s US external communications strategy across corporate, consumer, executive, financial, media, and crisis communications. Develops corporate narratives, manages top-tier media relationships, supports public-company disclosures and potential Nasdaq listing activities, advises executives, oversees issues management, coordinates global communications, and manages agencies. Partners extensively with Investor Relations, Legal, Finance, Marketing, Product, and regional teams to strengthen reputation and business impact.

Leads Zip’s highest-priority cross-functional programs, special projects, integrations, and organizational transitions. Translates enterprise strategy into execution through roadmaps, governance, risk management, decision-making, executive communication, and measurable outcomes. Partners across Product, Engineering, Finance, Legal, People, Commercial, and Delivery, while improving repeatable program-management practices using Jira, Confluence, AI, and automation.

Lead corporate development activities, including acquisitions, strategic investments, market assessments, valuation, financial modeling, due diligence, deal structuring, and transaction execution. Prepare board and executive materials, coordinate advisers and stakeholders, and support strategic reviews and capital allocation decisions. The role requires financial services experience, advanced transaction modeling, commercial diligence expertise, and the ability to manage complex M&A workstreams autonomously.

Staff Engineer leading architecture and technical direction for Zip’s real-time payments and money-movement platform. The role designs reliable distributed systems, leads complex cross-team initiatives, mentors senior engineers, and improves scalability, performance, and engineering standards. It also drives responsible AI adoption across engineering through tooling, workflow integration, governance, measurement, and production-grade AI capabilities. Candidates need extensive backend, payments or correctness-critical systems, cloud, system design, and technical leadership experience.

Build and own scalable payments infrastructure for card issuing, transaction processing, and settlement. Design reliable integrations with Stripe, banking partners, and internal platforms using .NET, C#, Azure, DDD, CQRS, and event-driven architectures. Improve system reliability, observability, performance, security, and compliance while mentoring engineers and contributing to technical direction. Apply AI-assisted development across coding, testing, debugging, and engineering workflows.

Partner with the CEO and senior leaders to shape enterprise priorities, structure complex decisions, drive strategy execution, establish KPIs, resolve cross-functional trade-offs, and lead high-impact initiatives. Serve as a trusted advisor and operator who extends the CEO’s impact, creates organizational alignment, and improves workflows through AI and emerging tools.