Sr. Director, Credit Risk Analytics

Overview

This role is a Senior Director position in Credit Risk Analytics, focused on managing credit underwriting, pricing, verification strategies, and overall credit performance for a Personal Loan business. The position involves leveraging machine learning and AI models to drive profitable growth and deliver attractive investor returns. It requires collaboration across multiple departments including Capital Markets, Product, Engineering, Legal, Compliance, Operations, and Marketing.

Responsibilities

• Develop and optimize credit, pricing, and verification strategies using data, ML/AI models, and advanced analytics to improve credit and fraud performance.
• Translate complex data findings into actionable recommendations and present these to executive leadership and the Credit Risk Committee.
• Communicate effectively with investors by translating complex data into clear and compelling insights.
• Collaborate cross-functionally with teams such as Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering to implement and monitor strategies.
• Manage credit risk appetite, ensuring credit losses remain within defined limits, and oversee credit loss forecasting and stress testing.
• Identify and evaluate new vendors, alternative data sources, and emerging technologies to enhance capabilities.
• Monitor portfolio performance at a granular level to identify trends and adjust strategies accordingly.

Requirements

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related quantitative field.
• Minimum 12 years of experience managing credit risk in Credit Card or Personal Loan sectors, with deep knowledge of credit and fraud risk management.
• Strong business acumen; experience in loss forecasting is a plus.
• At least 7 years of people leadership experience with a proven ability to mentor and develop high-performing teams.
• Exceptional written and verbal communication skills, capable of clearly articulating complex analyses to diverse stakeholders.
• Collaborative mindset with a business-owner mentality and ability to work effectively across functions.
• Ability to thrive in a fast-paced environment, meet deadlines, and address unfamiliar topics with clarity.
• Demonstrated thought leadership in building and refining credit strategy frameworks.
• Flexibility to work productively in a hybrid environment balancing remote and in-person collaboration.

Compensation & Benefits

• Salary range: $227,000 - $338,000 annually, plus bonus and generous benefits.
• Salary considerations include location, experience, and other job-related factors.
• 401(k) plan with a 5% company match.
• Flexible time off and paid parental leave.
• Annual wellness allowance and comprehensive health coverage.
• Access to professional development resources including online learning platforms.
• Additional perks such as childcare assistance, pet insurance, and various savings programs.

Location

• United States (Remote position with options for hybrid work in San Francisco or Phoenix offices).

Additional Information

• This role requires strong collaboration across multiple departments and external stakeholders.
• The position involves ownership of the entire credit risk management lifecycle.
• The employer is committed to equal opportunity and inclusive hiring practices.
• Candidates may be non-US citizens; green card sponsorship is available.

Applicants should be prepared to engage in a hiring process that may include AI-assisted resume and application review, with final decisions made by human recruiters.