Senior Data Analyst II

Title: Senior Data Analyst II Location: United States

• Shape the analytics strategy behind Zip’s next generation of financial products, driving data-informed decisions from launch through growth.
• Bring deep SQL, dbt, and product analytics expertise to solve complex business challenges, influence senior leaders, and build scalable analytics foundations for new product lines.
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Why we're hiring this role

Zip is at an exciting inflection point. As we expand beyond our core BNPL product into new financial products, the Data Analytics team is looking for a Senior Data Analyst II to be the senior analytics voice for this growth frontier.

You'll partner with senior leaders across Product, Finance, Risk, and Operations to build the analytical foundations that will define how Zip evaluates, launches, and scales new product categories. You'll lead complex, high-impact analytical initiatives, from helping size market opportunity and measuring early product-market fit, to understanding customer eligibility, adoption, and retention across our expanding product suite.

This is a rare opportunity to shape analytics from the ground up for products that don't yet have established playbooks, where your work will directly influence strategic investment decisions and product direction.

Start your adventure with Zip

As a Senior Data Analyst II working with the business, you'll own the analytics that power Zip's most strategically important growth bets. You'll be the primary analytical partner for teams building new Zip products, helping them understand customer behavior, product performance and financial outcomes at each stage of the product lifecycle, from pre-launch through scaled adoption.

You'll operate in a highly ambiguous environment where the right questions are still being defined. You'll bring structure and rigor to that ambiguity, translating incomplete or conflicting signals into clear recommendations that guide product strategy, risk appetite, and go to market decisions.

Alongside delivering analysis, you'll build the scalable data models and shared metrics that will serve as the authoritative foundation for new product analytics as the initiative grows.

Interesting problems you’ll get to solve

• Lead end to end analytics for Zip's new product lines from opportunity sizing and launch readiness through post-launch performance and iteration.
• Partner with Product, Risk and Finance leaders to define success metrics, build reporting frameworks and create analytical infrastructure for products that are new to Zip's portfolio.
• Develop a deep understanding of the customer funnel and lifecycle for new financial products, including eligibility, application, approval, repayment and retention.  Identify the levers that drive healthy unit economics.
• Analyze customer overlap, cross product adoption, and portfolio diversification to assess how new product verticals complement or expand Zip's existing BNPL customer base.
• Build market sizing, segmentation, and opportunity analyses that inform where and how Zip should invest in new product growth.
• Design, implement, and govern scalable analytics frameworks,  including reusable data models, shared metrics, and analytical methodologies,  purpose-built for new product categories where definitions must be established from scratch.
• Develop advanced analyses integrating behavioral, financial, and risk data to provide holistic, forward-looking views of product health and customer outcomes.
• Set and champion best practices for dbt data modeling, SQL performance, and analytical code quality as the new product analytics foundation is established.
• Advise VP and executive-level stakeholders by synthesizing complex analysis into concise narratives connecting insights to product strategy, financial impact, risk trade-offs and growth opportunity.
• Drive cross-functional alignment on metrics, definitions, and analytical approaches across Product, Finance, Risk, and Operations teams working on new products while escalating material decisions to leadership
• Raise the analytical bar across the team through mentorship, knowledge sharing, and thoughtful review of analytical approaches and outputs.

What you’ll bring to the team

• 8+ years of experience in data analytics, product analytics, business intelligence or a related analytical discipline, including experience in highly complex or ambiguous analytical environments.
• Deep SQL expertise and demonstrated experience designing efficient analytical solutions across large and complex datasets.
• Advanced experience with dbt and data modeling, including building scalable, reusable data models and trusted analytical foundations.
• Advanced experience with Tableau or comparable BI platforms, and experience developing scalable reporting and visualization solutions.
• Experience in fintech, consumer lending, or financial services analytics - ok with an understanding of customer credit, repayment behavior, and product risk dynamics is highly valued.
• Demonstrated experience leading complex, ambiguous analytical initiatives from problem definition through analysis, recommendation, and business impact, ideally including new product launches or 0-to-1 analytics buildouts.
• Experience partnering with senior leaders and influencing strategic decisions through clear, evidence-based analytical recommendations.
• Strong business acumen with the ability to connect product analytics to broader business drivers, including revenue, unit economics, customer retention, and risk across a diversified product portfolio.
• Experience establishing analytical standards, shared metrics or reusable frameworks that improve consistency and scalability across teams.
• Experience applying AI-enabled tools and emerging technologies to analytics workflows, automation or self-service capabilities.
• Demonstrated ability to mentor other analysts, elevate analytical rigor and contribute to stronger technical and problem-solving practices across a team.

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $142,000 - $170,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.

*Please note that visa sponsorship is not available for this position.

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

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-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to 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.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote

Before you apply, give Zip a try   -> rebrand.ly/check-zip-out