Director of Credit Risk

Made Card·Remote(New York City)·
00,000 -
10,000
Software Development
Adjust

WFA Digital Insight

The demand for skilled credit risk professionals in the fintech space is on the rise, with a 25% increase in job openings over the past year. Made Card is at the forefront of this trend, offering a unique credit card product designed specifically for homeowners. With a strong background in consumer lending or credit risk, and experience in fintech environments, candidates can excel in this role. As the industry continues to evolve, professionals with expertise in credit risk models and decisioning are in high demand. Before applying, candidates should be prepared to showcase their technical acumen and ability to synthesize complex data into clear strategies.

Job Description

About the Role

The Director of Credit Risk will play a critical role in shaping and leading Made Card's credit risk strategy across the customer lifecycle. This role entails driving underwriting, pricing, segmentation, and decisioning for the credit card product, while overseeing the performance of the credit portfolio. The ideal candidate will have a strong background in consumer lending or credit risk, with experience in fintech environments and a proven track record of developing and implementing credit risk models.

The Director of Credit Risk will be part of a team that is passionate about using data and technology to improve the financial lives of homeowners. The company's mission is to help homeowners save time, money, and stress, and the credit risk team plays a critical role in achieving this mission.

What You Will Do

  • Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth
  • Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation
  • Design pricing and credit limit frameworks to maximize risk-adjusted returns
  • Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs
  • Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability
  • Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs
  • Conduct manual reviews, document exceptions, handle credit bureau disputes, and set up payment plans
  • Collaborate with cross-functional teams to implement credit risk strategies and models
  • Stay up-to-date with industry trends and regulatory changes, and adjust credit risk strategies accordingly

What We Are Looking For

  • 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments
  • Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections
  • Hands-on experience with credit risk models and credit bureau data (traditional and alternative)
  • Strong technical acumen: ability to pull data, analyze, create KPIs, and create reporting tools (Python, SQL knowledge a plus)
  • Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders
  • Experience working in a fast-paced, dynamic environment, with a strong ability to adapt to changing priorities
  • Strong analytical and problem-solving skills, with attention to detail and a focus on quality

Nice to Have

  • Experience in fintech, credit cards, real estate, or home services
  • Familiarity with compliance-heavy or regulated marketing environments
  • Passion for credit cards, rewards, or homeownership-related products
  • Experience working with cloud-based data platforms and tools
  • Certification in credit risk management or a related field

Benefits and Perks

  • Competitive salary range of
    00,000-
    10,000
  • Opportunity to work with a innovative and fast-growing fintech company
  • Collaborative and dynamic work environment
  • Professional development opportunities, including training and conference attendance
  • Flexible work arrangements, including remote work options
  • Access to the latest tools and technologies
  • Comprehensive benefits package, including health, dental, and vision insurance
  • 401(k) matching program
  • Generous PTO and holiday schedule

How to Stand Out

  • Develop a strong understanding of credit risk models and decisioning, and be prepared to discuss your experience with these concepts
  • Highlight your ability to synthesize complex data into clear strategies, and provide examples of how you have done this in the past
  • Be prepared to discuss your experience working in fintech environments, and how you have adapted to changing priorities and regulatory requirements
  • Showcase your technical acumen, including your ability to pull data, analyze, and create reporting tools
  • Research the company and the role, and be prepared to discuss how your skills and experience align with the company's mission and goals
  • Prepare examples of how you have worked with cross-functional teams to implement credit risk strategies and models
  • Be ready to discuss your experience with credit bureau data and credit risk management

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