Senior Director, Credit Risk Management

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

📋 Description

• Take ownership of the comprehensive credit risk strategy for the organization’s payments and fintech portfolio.

• Design, implement, and enhance credit risk policies, scorecards, and underwriting models.

• Build and lead a team comprised of credit risk managers and analysts.

• Oversee portfolio performance and pinpoint emerging risk trends.

• Collaborate with Data Science and Analytics to create and validate credit scoring models, machine-learning underwriting tools, and early-warning indicators.

• Manage credit risk appetite, exposure limits, and reserve/collateral policies in conjunction with Finance and Treasury.

• Spearhead loss mitigation strategies, collections processes, and workouts.

• Present credit risk metrics, portfolio health, and critical decisions to executive leadership, the Risk Committee, and the Board.

• Ensure adherence to relevant regulatory requirements in collaboration with Legal and Compliance.

• Lead credit risk due diligence for new products, partnerships, and market expansions.

• Promote automation and scalability of underwriting and monitoring processes.

• Oversee relationships with external data providers, bureaus, and risk technology vendors.

⛳️ Requirements

• 12+ years of progressive experience in credit risk management, including a minimum of 5–7 years in a senior leadership position.

• A strong preference for candidates with a background in payments, fintech, card issuing/acquiring, or commercial lending.

• A Bachelor's degree in Finance, Economics, Statistics, or a related field is mandatory.

• Proven experience in establishing or scaling a credit risk function, including underwriting frameworks, portfolio monitoring, and loss mitigation in a high-growth or high-transaction-volume environment.

• Strong quantitative skills, including expertise in credit scoring models, statistical/ML-based underwriting, and portfolio risk analytics.

• A successful history of managing exposure and losses across a merchant or borrower portfolio, including chargeback/dispute risk, fraud-related losses, and counterparty defaults.

• In-depth knowledge of the dynamics of the payments ecosystem and relevant regulatory frameworks.

• Demonstrated leadership in hiring, developing, and managing credit risk or underwriting teams.

• Exceptional executive communication skills, particularly in presenting to senior leadership, Risk Committees, or Boards.

• Familiarity with SQL, Python, R, or similar tools for risk analytics is preferred.

🏝️ Benefits

• Health, dental, and vision insurance.

• Retirement savings plan with company match.

• Paid time off and holidays.

• Opportunities for professional development.

• Performance-based bonus contingent on position.