Sr. Director, Credit Risk Analytics

Innovate and Optimize: Develop cutting-edge credit, pricing, and verification strategies to continually enhance credit and fraud performance using data, ML/AI models, and advanced analytics tools. Bring an out-of-the-box mindset to our credit and fraud risk management framework, balancing risk-return trade-offs with creative solutions.

Drive Strategy and Action: Translate complex findings into actionable enhancements. Present data-driven recommendations to executive leadership and the Credit Risk Committee, always weighing business impact and resource allocation.

Master External Communication: Serve as a trusted voice to our investors, translating complex data into clear, compelling narratives and insights that build confidence and transparency.

Champion Cross-Functional Collaboration: Partner seamlessly with the Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering teams. Cultivate an open-minded environment where internal and external stakeholders can work together to implement and monitor high-performing strategies.

Manage Risk Appetite: Ensure credit losses consistently remain within the company’s defined risk appetite. Oversee credit loss forecasting and stress testing exercises.

Discover New Capabilities: Identify, evaluate, and build business cases for new vendors, alternative data sources, and emerging technologies.

Monitor and React: Analyze portfolio performance at a granular segment level on an ongoing basis to identify key performance drivers, spot emerging trends, and implement strategy changes as needed.

Education: Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related quantitative field.

Experience: 12+ years of experience managing credit risk within the Credit Card or Personal Loan sectors. Deep knowledge of credit and fraud risk management, with a strong business acumen. (Experience in loss forecasting is a strong plus).

Leadership: 7+ years of people leadership experience, with a proven ability to mentor, develop, and inspire high-performing, innovative teams.

Exceptional Communication: Outstanding written and verbal communication skills. You can articulate complex analyses and technical processes clearly, succinctly, and persuasively to internal stakeholders, external partners, investors, and executive leadership.

Collaborative Mindset: A strong team player and a relationship-builder. You possess a business-owner mentality and an open-minded approach that allows you to partner effectively across diverse functions and viewpoints.

Agility: Demonstrated ability to thrive in a fast-paced environment and meet deadlines without compromising quality. A quick, agile thinker who can confidently and constructively address questions on unfamiliar topics with clarity and conviction.

Thought Leadership: The capability to build, refine, and elevate credit strategy frameworks through structured, yet highly innovative approaches.

Flexibility: Ability to work productively in a hybrid environment, balancing remote and in-person collaboration effectively.