Jobs at Zip Co

Manage U.S. tax accounting, federal and multistate income tax compliance, indirect tax matters, reconciliations, audits, notices, research, controls, and process improvements. Prepare ASC 740 tax provisions, analyze NetSuite data, coordinate external providers, support financial reporting, and advise cross-functional teams on tax implications. The role also modernizes tax workflows through Excel improvements, automation, AI, and agentic solutions.

Implement and maintain cloud security controls across Azure and GCP infrastructure, microservices, IAM, networks, and applications. Identify and remediate vulnerabilities, secure CI/CD pipelines and infrastructure as code, automate security workflows, and evaluate AI-related risks. Collaborate with security, engineering, infrastructure, data, legal, product, and audit teams to improve risk management and secure technology adoption.

Lead the architecture and implementation of security controls for LLM applications, RAG systems, autonomous agents, and AI-enabled engineering workflows. Build AI security testing, red-teaming, monitoring, guardrails, automation, and secure development patterns. Establish technical direction, threat-model complex systems, secure model and tool access, respond to agent incidents, evaluate emerging AI technologies, and mentor engineers across security and platform teams.

Lead end-to-end product design for repayment experiences across mobile and web. Design payment rescheduling, early payoff, reminders, and personalized financial assistance while collaborating with Product, Engineering, Data, Risk, Compliance, and Finance. Incorporate AI tools into research, prototyping, validation, documentation, and design operations; create scalable workflows, interpret metrics, validate hypotheses, communicate trade-offs, and improve post-launch experiences.

Lead Finance transformation initiatives by identifying high-friction workflows, building AI-enabled automations, and delivering measurable improvements. Own projects from problem definition through implementation, testing, adoption, governance, and impact measurement. Partner with Finance, Data, Engineering, Compliance, and platform teams to translate business needs into scalable solutions, manage risks and dependencies, and communicate recommendations to senior executives. The role is hybrid, requiring three days weekly in the Union Square Manhattan office.

Supports cash forecasting, borrowing base and liquidity tracking, covenant monitoring, lender reporting, facility position management, and treasury operations. Maintains accurate financial data, reconciles forecast-to-actual variances, prepares compliance certificates and reporting packages, manages reporting deadlines, and supports scenario analysis and ad hoc treasury requests.

Own US month-end close readiness, accounting execution, reconciliations, reporting packages, financial analytics, controls, and issue resolution. Partner with Finance, Systems, Data, Treasury, Audit, and Operations teams to improve close quality, reporting logic, data lineage, and accountability. Apply automation and AI to recurring accounting processes while maintaining appropriate review, governance, auditability, and accounting judgment.

Develop and own advanced machine learning and AI models using bank transaction and cashflow data to enable financial product capabilities, manage risk, and drive profitable growth. Design experiments, build proofs of concept, monitor production models, and collaborate with data and machine learning engineering teams on scalability. Communicate findings and tradeoffs to business stakeholders while applying statistical, research, and financial services expertise.

Analyze product funnels and user behavior to identify growth opportunities, improve customer and business outcomes, and guide product decisions. Partner with product, design, engineering, and analytics teams to track hypotheses, report key metrics, reconcile data discrepancies, maintain analytics and experimentation catalogs, and communicate actionable insights. The role requires strong SQL, visualization, experimentation, and cross-functional communication skills in a fintech or e-commerce environment.

Own the roadmap and end-to-end development of a direct-to-consumer financial product. Lead customer research, experimentation, requirements, prioritization, delivery, launch, and iteration while partnering with Engineering, Design, Data, Marketing, Risk, Compliance, Finance, and Operations. Define product and business metrics, evaluate economics and performance, ensure trustworthy customer experiences, and drive measurable outcomes across acquisition, activation, engagement, retention, repayment, and revenue.

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.

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.

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 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.

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.