Director, Risk

Engine is building its Risk function for the first time, and the Director, Risk is both the architect and the governance layer. You’ll define the risk framework that Engine X — our corporate card and spend management product — runs against, govern the first-line operations that enforce it, and be the voice that translates risk posture into language the business can act on.

 This isn’t a compliance-first role. It’s a builder-strategist role for someone who understands that risk management done right enables growth — and who can hold standards with Sales and Product while staying a partner they trust. Engine is scaling fast. The Director, Risk is how we do that without taking on avoidable losses 

Your Mission:
As part of the Engine team, you’ll play a vital role in an environment where innovation meets collaboration. Here’s what you’ll take charge of:

• Build and own Engine’s risk tolerance framework — define delinquency rate guardrails, fraud rate targets, and escalation thresholds that give the business a clear signal on when to tighten and when to lean in.
• Establish second-line governance — document what requires Risk sign-off before going live, including credit policy changes, fraud control modifications, and product feature decisions that carry risk exposure.
• Stand up and run Engine’s Risk Committee — cadence, reporting package, escalation protocol to ELT, and the communication rhythm that keeps leadership informed without requiring them to be in the weeds.
• Govern first-line operations: Sr. Manager, Fraud Operations and Sr. Manager, Credit report into this role; develop their capabilities alongside the function’s analytical rigor.
• Partner directly with Product and Engineering to translate risk policy into product logic, application-stage controls, and automation — risk standards should be embedded in the product, not bolted on after the fact.
• Own the risk appetite conversation with Sales — holding guardrails without becoming a blocker, and building the credibility to make that relationship work.
• Partner with Legal/Compliance on regulatory obligations including BSA/AML and card issuing compliance.
• Translate operational risk signals into P&L language for finance, executive, and board audiences.
• Build risk reporting infrastructure — quarterly delinquency and fraud rate reporting against defined targets.

What You’ll Bring to Engine:
We’re looking for someone who’s ready to make an impact and grow alongside us:

• 8-10+ years in risk (credit a must, ideally credit & fraud), with 3+ years leading teams
• Demonstrated ability to balance risk rigor with business growth — you’ve held the line and enabled the business, and you can tell that story with specific examples.
• Direct Product/Engineering partnership experience — translating risk policy into product decisions and automation, not just advisory sign-off.
• Strong cross-functional influence: you’ve navigated risk appetite vs. growth tension with Sales and Product and come out with both sides trusting you.
• Regulatory familiarity: BSA/AML, UDAAP, card issuing compliance.
• Strong executive communication — you translate risk signals into business and financial language without losing precision.
• Fintech, card issuing, or lending environment required. FRM (Financial Risk Manager), CPA, or CFE (Certified Fraud Examiner) a plus.

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Applications for this role will be accepted through  11/30/2026 or until the role is filled. We encourage you to apply early, as we may begin reviewing applications before the deadline.