Director, Credit Risk

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Director, Credit Risk in United States.

This is a high-impact leadership role responsible for shaping and optimizing credit risk strategies across a range of consumer lending products. You will play a central role in balancing growth and risk, ensuring lending decisions are both data-driven and aligned with portfolio performance objectives. Operating in a highly analytical and collaborative environment, you will partner closely with data science, product, and capital markets teams to influence underwriting strategies and business outcomes. The role combines strategic leadership with hands-on analytical depth, requiring a strong ability to translate complex financial and behavioral data into actionable credit policies. You will also lead and mentor a team, driving continuous improvement in risk models, processes, and decision frameworks. This position is ideal for a senior credit risk expert who thrives in fast-paced, data-intensive environments and is motivated by building scalable, responsible lending systems.

Accountabilities:

Lead the design, development, deployment, and optimization of credit risk strategies across consumer lending products
Define and manage underwriting frameworks including pre-screening, risk tiering, loan assignment, and verification strategies
Analyze portfolio performance, customer data, and external credit attributes to drive risk-adjusted returns
Partner with Data Science teams to develop and enhance machine learning-based credit risk models
Establish and monitor key risk and performance metrics, ensuring alignment with portfolio goals and risk appetite
Identify trends, gaps, and opportunities to continuously improve credit performance and decisioning systems
Collaborate with Product, Analytics, Capital Markets, and Finance teams to align business and risk strategies
Lead, mentor, and develop a team of risk professionals while supporting hiring and talent development
Present insights, recommendations, and performance analysis to senior leadership and stakeholders

Requirements:

Master’s degree in Finance, Mathematics, Statistics, Economics, or a related field
7+ years of experience in credit risk or consumer lending risk management roles
Strong expertise in developing data-driven credit strategies and underwriting frameworks
Deep understanding of modeling techniques including logistic regression, decision trees, and gradient boosting methods
Proven experience working with large-scale financial datasets, bureau data, and alternative data sources
Strong background in credit scoring, portfolio management, loss forecasting, and P&L analysis
Advanced proficiency in SQL, Python, and Excel
Experience with A/B testing and experimentation frameworks
Familiarity with business intelligence tools such as Tableau or Looker
Strong leadership, communication, and stakeholder management skills
Ability to manage multiple complex projects in a fast-paced, data-driven environment

Benefits:

Competitive base salary of $298,022 annually
Comprehensive health, dental, and vision insurance
401(k) retirement plan with company match
Employee stock purchase plan and restricted stock units (RSUs)
Work-from-home setup stipend including Mac equipment
Monthly internet and phone reimbursement
Tuition reimbursement and professional development support
Generous paid time off and parental leave policies
Annual travel benefit and additional employee perks

How Jobgether works:

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Why Apply Through Jobgether?

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

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