Director of Credit Risk
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Job Description
Director of Credit Risk leading Made Card's credit risk strategy across customer lifecycle and overseeing performance of credit portfolio. Collaborating on underwriting, pricing, and segmentation.
Responsibilities:
- Define and optimize credit strategies for new account approvals
- Develop, refine, and monitor credit policies and customer segmentation strategies
- 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 (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans
Requirements:
- 2+ years of experience in consumer lending or credit risk
- 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: pull data, analyze, create KPIs, 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.
Benefits:
- Competitive salary with a meaningful stake in the company via equity
- Comprehensive medical, dental, & vision benefits
- Company-wide orientation for onboarding and learning & development opportunities
- Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners
- Quarterly budgets for team and company outings
- Flexible paid time off, sick days, and 11 company holidays
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