Sr. Director, Credit Risk Analytics

Accountabilities:

• Own the end-to-end credit risk strategy for the personal loan business, including underwriting, pricing, verification, credit performance, and fraud risk management.
• Develop and continuously optimize automated credit, pricing, and verification strategies using advanced analytics, machine learning, AI models, and data-driven techniques.
• Evaluate risk-return trade-offs and translate complex analytical findings into actionable recommendations that support profitable growth and attractive investor outcomes.
• Present strategic recommendations, portfolio insights, and risk perspectives to executive leadership and the Credit Risk Committee, incorporating business impact and resource considerations.
• Serve as a trusted external-facing expert by translating complex credit and risk analytics into clear, compelling narratives for investors and other stakeholders.
• Partner closely with Capital Markets, Product, Engineering, Legal, Compliance, Operations, Marketing, and other functions to implement, monitor, and refine risk strategies.
• Manage credit risk appetite by overseeing credit loss forecasting, stress testing, portfolio monitoring, and proactive responses to emerging performance trends.
• Analyze portfolio performance at granular segment levels to identify key drivers, emerging risks, opportunities, and required strategy changes.
• Evaluate emerging technologies, alternative data sources, and external vendors, developing business cases for capabilities that can enhance risk management and decisioning.
• Lead, mentor, and develop a high-performing analytics organization while fostering innovation, accountability, collaboration, and continuous improvement.

Requirements:

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or another quantitative discipline.
• 12+ years of experience managing credit risk, particularly within personal lending or credit card environments.
• Deep expertise in consumer credit and fraud risk management, with strong commercial and business judgment; experience with loss forecasting is highly valued.
• 7+ years of people leadership experience, with a demonstrated ability to build, mentor, motivate, and retain high-performing teams.
• Strong understanding of credit strategy frameworks, underwriting, pricing, verification, portfolio analytics, risk appetite, and data-driven decisioning.
• Experience applying machine learning, AI, advanced analytics, and emerging technologies to credit or fraud risk challenges.
• Exceptional written and verbal communication skills, with the ability to explain sophisticated analytical and technical concepts clearly to executives, investors, and cross-functional stakeholders.
• Strong relationship-building and influencing skills, with the ability to operate effectively across diverse teams and viewpoints in a highly collaborative environment.
• Business-owner mentality, strong strategic thinking, and the ability to balance innovation with disciplined risk management.
• Demonstrated agility in fast-paced environments, including the ability to manage competing priorities, meet deadlines, and respond confidently to unfamiliar or complex questions.
• Ability to work effectively in a hybrid environment, balancing remote collaboration with in-person engagement.

Benefits:

• Competitive annual base salary of $227,000–$338,000, plus bonus opportunities.
• 401(k) retirement plan with a 5% company match.
• Comprehensive health coverage and resources supporting holistic well-being.
• Flexible time off and paid parental leave.
• Annual wellness allowance.
• Flexible, digital-first working environment with remote and hybrid options.
• Professional development resources, including access to Udemy.
• Childcare assistance and pet insurance.
• Additional employee savings and perks through Beneplace.
• Opportunities to work with a highly collaborative, innovation-focused team and contribute to meaningful advancements in financial well-being.