Director, Credit Risk Analytics

Overview

The organization is seeking a Director, Credit Risk Analytics responsible for underwriting and portfolio credit strategies, with oversight of credit quality and performance for the Credit Card business. This role reviews, analyzes, and enhances risk strategies using machine learning models and credit data to support new account growth while managing credit losses within the company’s defined risk appetite.

This position owns the end-to-end credit risk management lifecycle and requires strong cross-functional collaboration across Capital Markets, Product, Engineering, Legal, Compliance, Operations, and Marketing.

Responsibilities

• Develop and optimize underwriting and portfolio credit, pricing, and line strategies to improve credit performance using data, ML/AI models, and advanced analytics tools.
• Translate complex findings into actionable enhancements; present data-driven recommendations to executive leadership and the Credit Risk Committee, considering business impact and resource allocation.
• Serve as a trusted voice to investors by translating complex data into clear narratives and insights.
• Ensure credit losses remain consistently within the company’s defined risk appetite.
• Guide team efforts to develop strategies for automated credit decisions.
• Own the end-to-end process to ensure credit strategies perform as expected to support business growth while effectively managing credit losses.
• Identify, evaluate, and build business cases for new products, vendors, alternative data sources, and emerging technologies.
• Monitor and react to credit performance on an ongoing basis at a granular segment level to identify performance drivers, spot emerging trends, and implement strategy changes.
• Collaborate closely with cross-functional partners to implement and monitor high-performing strategies.

Requirements

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related field.
• 10+ years of experience managing credit risk within Credit Card businesses, with strong business acumen and deep knowledge of credit management.
• 5+ years of people leadership experience, including developing and mentoring high-performing teams.
• Demonstrated ability to thrive in a fast-paced environment and meet deadlines without compromising quality.
• Strong thought leadership, with the ability to build, refine, and elevate credit strategy frameworks using innovative and structured approaches.
• Exceptional written and verbal communication skills to articulate complex analyses and technical subject matter to internal stakeholders, external partners, and Senior Management.
• Strong collaborative mindset and business-owner mentality.

Preferred Qualifications

• Experience with automated credit decisioning strategies.
• Experience engaging with executive leadership and risk committees.

Compensation & Benefits

• Salary range: $215,000 - $260,000 per year.
• Bonus eligibility and generous benefits.
• Salary determination considers location, experience, and other job-related factors.
• 401(k) with a 5% company match.
• Flexible time off and paid parental leave.
• Annual wellness allowance and comprehensive health coverage.
• Additional perks including Udemy access, childcare assistance, pet insurance, and savings through Beneplace.

Location

• Work location can be based in San Francisco or Phoenix offices, or as a fully remote team member.