Director of Credit Risk

This is a fully remote position, open to applicants in New York.

📋 Description

• Establish and enhance credit strategies for the approval of new accounts

• Create, refine, and oversee credit policies and strategies for customer segmentation

• Develop pricing structures and credit limit guidelines to optimize risk-adjusted returns

• Construct, manage, and consistently enhance credit risk models, decision thresholds, and cutoffs

• Create and track KPIs, analyze trends, and provide actionable insights to uphold portfolio quality and profitability

• Formulate data-driven, customer-centric strategies aimed at minimizing delinquencies and charge-offs

• Perform manual assessments (underwriting, limit increases, etc.), document exceptions, manage credit bureau disputes, and establish payment plans

⛳️ Requirements

• Minimum of 2 years of experience in consumer lending or credit risk

• Significant experience in at least one aspect of the credit lifecycle: underwriting, pricing, portfolio management, or collections

• Practical experience with credit risk models and credit bureau data (both traditional and alternative)

• Strong technical skills: extracting data, analyzing, creating KPIs, and developing reporting tools (knowledge of Python and SQL is a plus)

• Capability to distill complex data into clear strategies and effectively communicate them to both technical and non-technical audiences.

🏝️ Benefits

• Competitive salary with a substantial equity stake in the company

• Comprehensive medical, dental, and vision coverage

• Company-wide orientation for onboarding along with learning and development opportunities

• Receive up to $25,000 towards closing costs for a new mortgage through our mortgage partners

• Quarterly budgets allocated for team and company outings

• Flexible paid time off, sick leave, and 11 company holidays