Sr. Director, Credit Risk Analytics

Overview

A leading fintech organization is seeking a Senior Director of Credit Risk Analytics to lead credit underwriting, pricing, verification strategies, and overall credit performance for their Personal Loan business. This senior leadership role involves leveraging machine learning and AI models to drive profitable growth and deliver attractive investor returns. The position requires ownership of the entire credit risk management lifecycle and collaboration across multiple departments including Capital Markets, Product, Engineering, Legal, Compliance, Operations, and Marketing.

Responsibilities

• Develop and optimize innovative credit, pricing, and verification strategies using data analytics, ML/AI models, and advanced tools to improve credit and fraud performance.
• Translate complex data insights into actionable recommendations and present findings to executive leadership and the Credit Risk Committee.
• Serve as a trusted communicator to investors by delivering clear, compelling narratives and insights.
• Collaborate cross-functionally with Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering teams to implement and monitor high-performing strategies.
• Manage credit risk appetite by 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.
• Continuously 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 expertise in credit and fraud risk management.
• Strong business acumen; experience in loss forecasting is a strong plus.
• At least 7 years of people leadership experience with a proven track record of mentoring and developing high-performing teams.
• Exceptional written and verbal communication skills, capable of clearly articulating complex analyses to diverse audiences including executives and investors.
• Collaborative mindset with a business-owner mentality and ability to build strong relationships across functions.
• Ability to thrive in a fast-paced environment, meet deadlines, and address unfamiliar topics with clarity and confidence.
• Demonstrated thought leadership in building and refining credit strategy frameworks with innovative approaches.
• 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.
• Competitive 401(k) plan with a 5% company match.
• Flexible time off, paid parental leave, annual wellness allowance, and comprehensive health coverage.
• Professional development opportunities including access to premium learning platforms.
• Additional perks such as childcare assistance, pet insurance, and various savings programs.

Location

• Flexible work arrangements including options to work from San Francisco or Phoenix offices or fully remote.

This role requires a strong leader with deep consumer lending expertise and a passion for driving innovation in credit risk management to support profitable growth and financial well-being initiatives.