Head - Credit Risk

About ZapCash
At ZapCash, we're focused on simplifying access to credit through technology, data and intelligent lending solutions. We aim to create seamless customer journeys while building a scalable, responsible and data-driven digital lending ecosystem.
As we continue to grow, we're looking for a strategic, analytical and business-oriented Credit Risk & Strategy Leader who can connect risk management, customer experience, technology and business growth.

The Opportunity
As Head of Credit Risk & Strategy, you will drive credit-risk intelligence, application funnel optimisation and data-led growth strategies. You will collaborate with leadership, product, technology, analytics, operations and lending partners to improve conversion, strengthen risk controls and support sustainable growth.

What You’ll Own

1. Credit Risk & Portfolio Strategy
2. Develop and optimise risk strategies for customer acquisition, eligibility assessment, credit segmentation and repeat-customer journeys.
3. Analyse portfolio quality, delinquency trends and customer behaviour to identify emerging risks and growth opportunities.

4. Balance approval rates, conversion, customer experience and portfolio performance through data-driven decision-making.

5. Risk Analytics, Models & Scorecards

6. Develop and monitor credit-risk scorecards, predictive models and customer segmentation frameworks.

7. Leverage bureau data, device intelligence, application data and other relevant signals to improve risk assessment.

8. Apply statistical modelling and machine learning to strengthen risk decisions and improve portfolio outcomes.

9. Funnel Optimisation & Business Growth

10. Identify friction and drop-offs across the customer journey, from application initiation to lender matching and conversion.

11. Improve application quality and conversion through structured experimentation and analytical insights.

12. Partner with Product and Engineering teams to implement scalable, automated risk solutions.

13. Fraud Prevention, KYC & Risk Controls

14. Strengthen fraud detection and mitigation frameworks across digital customer journeys.

15. Analyse identity, application and behavioural risk signals to identify suspicious patterns.

16. Collaborate with relevant teams and lending partners to support KYC, compliance and risk-control requirements.

17. Data Intelligence & Decision Support

18. Build risk dashboards, monitoring frameworks and business performance reports.

19. Translate complex analyses into actionable recommendations for leadership.

20. Establish regular reviews of risk, conversion, funnel and portfolio metrics.

About ZapCash
At ZapCash, we're focused on simplifying access to credit through technology, data and intelligent lending solutions. We aim to create seamless customer journeys while building a scalable, responsible and data-driven digital lending ecosystem.
As we continue to grow, we're looking for a strategic, analytical and business-oriented Credit Risk & Strategy Leader who can connect risk management, customer experience, technology and business growth.