About the Role
This role is responsible for leading the development and execution of credit risk frameworks to support scalable lending operations. The individual will collaborate across teams to design policies, assess risk exposure, and implement models that balance growth with financial responsibility.
Responsibilities
- Lead the design and implementation of credit risk policies and decision frameworks
- Develop predictive models to assess borrower risk and default probability
- Collaborate with data science teams to refine risk scoring methodologies
- Evaluate portfolio performance and identify emerging risk trends
- Guide underwriting strategy to align with business objectives and risk tolerance
- Partner with product and engineering to integrate risk logic into lending platforms
- Present risk insights and recommendations to executive leadership
- Ensure compliance with regulatory standards in credit decisioning
- Optimize approval rates while managing loss ratios
- Drive automation of risk decision workflows
- Conduct scenario analysis for stress testing and capital planning
- Monitor key risk indicators and trigger alerts for anomalies
- Support new market expansion with tailored risk strategies
- Lead cross-functional initiatives to improve data quality and reporting
- Mentor junior risk analysts and contribute to team development
- Evaluate third-party data sources for risk model enhancement
- Assess impact of macroeconomic factors on credit performance
- Improve customer segmentation for targeted risk treatment
- Manage model validation and documentation processes
- Align risk strategy with customer experience goals
Nice to Have
- PhD or advanced certification in risk management or data science
- Prior leadership role in a technology-driven financial services company
- Direct experience with lending-as-a-service platforms
- Familiarity with alternative data in underwriting decisions
- Background in regulatory audits or examinations
Compensation
Competitive salary and benefits package
Work Arrangement
Hybrid work model with flexible location options
Team
Part of the financial risk management division within a fast-growing technology company
About the Team
This position operates within a specialized unit focused on financial risk innovation. The team builds systems that enable responsible lending at scale, using real-time data and adaptive models. Members work closely with product, compliance, and data engineering to deliver secure, efficient credit solutions.
What We Offer
Opportunity to lead high-impact risk initiatives in a growing fintech environment. Access to advanced data infrastructure and cross-functional collaboration. Support for professional development and innovation in risk methodology.
Available for qualified candidates
