Director, Risk

United StatesRemoteFull-timeexecutive

OtherRisk

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Quick Summary

Overview

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Director, Risk based in United States.

Technical Tools

OtherRisk

This is a senior leadership opportunity to build and own a risk function within a fast-scaling fintech environment.
You’ll establish the organization’s risk tolerance framework across credit, fraud, and operational exposure.
The role combines strategic governance with hands-on partnership across Product, Engineering, Sales, Finance, Legal, and Compliance.
You’ll embed risk controls directly into products, workflows, and automation rather than relying solely on post-launch oversight.
As the leader of the Risk function, you’ll oversee first-line credit and fraud operations while establishing second-line governance.
You’ll also translate complex risk signals into clear business, financial, executive, and board-level insights.
This role is suited to a builder who can strengthen risk discipline while supporting responsible business growth.

Build and maintain the enterprise risk tolerance framework, including delinquency guardrails, fraud targets, escalation thresholds, and related monitoring practices.
Establish second-line risk governance and define when Risk approval is required for credit policy changes, fraud controls, product features, and other risk-sensitive decisions.
Establish and lead the Risk Committee, including meeting cadence, reporting materials, escalation processes, and executive communication.
Lead and develop the Senior Managers responsible for Fraud Operations and Credit, strengthening operational capabilities and analytical rigor.
Partner with Product and Engineering teams to translate risk policies into product logic, application-stage controls, automated decisioning, and other embedded safeguards.
Work closely with Sales to manage risk appetite and establish practical guardrails that support commercial objectives while maintaining defined risk standards.
Partner with Legal and Compliance on regulatory requirements, including BSA/AML, UDAAP, and card-issuing compliance.
Develop risk reporting infrastructure and provide regular analysis of delinquency and fraud performance against established targets.
Translate operational and financial risk indicators into clear P&L, executive, and board-level insights.
Identify emerging risks, establish appropriate escalation mechanisms, and ensure leadership has clear visibility into material exposures.

Requirements

~1 min read

8–10+ years of professional experience in risk management, with substantial credit experience and ideally combined credit and fraud expertise.
3+ years of experience leading teams, with a demonstrated ability to build capabilities and establish effective risk functions.
Experience balancing rigorous risk management with business growth, including examples of establishing guardrails while enabling commercial and product objectives.
Direct experience partnering with Product and Engineering teams to translate risk policies into product requirements, controls, automation, and technology-enabled processes.
Strong cross-functional influence and stakeholder management skills, particularly when navigating risk appetite discussions with Sales and Product teams.
Working knowledge of BSA/AML, UDAAP, and card-issuing regulatory requirements.
Experience in fintech, card issuing, or lending environments is required.
Excellent executive communication skills, with the ability to translate complex risk indicators into precise business and financial insights.
Strong analytical, strategic, decision-making, and problem-solving capabilities.
FRM, CPA, or CFE certification is a plus.