Senior Director, Credit Strategy
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Job Description
Senior Director, Credit Strategy at FloatMe leading credit function and risk management. Optimizing credit portfolio and collaborating with cross-functional teams to achieve business goals.
Responsibilities:
- Develop, build, and operationalize our credit portfolio focused on balancing growth vs. risk with an end goal of minimizing our loss rate.
- Optimize our efforts to reduce bad debt and loss rates across current and future FloatMe products while delivering on our business goals.
- Drive our credit risk philosophy for new and existing customers, understanding different levers and acceptable risk.
- Work with our internal Data Engineering team to improve our processes and learnings through machine learning.
- Consistently review data and deliver results on credit risk, user trends, and adjust our thresholds accordingly.
- Partner cross-functionally with Finance, Compliance, Product, Engineering and Member Support to reduce bad debt while keeping our users top of mind.
Requirements:
- 8+ years of experience in progressive experience in credit, ideally within consumer lending.
- Demonstrated consumer lending experience in a company that has an end-to-end automated process.
- Experience in fintech or modern lending platforms that prioritize automated credit decisioning.
- Experience working with product, engineering, member support, compliance, and finance members to establish our risk thresholds, product changes, and consumer usage.
- Strong analytical skills with the ability to interpret financial data and make sound credit decisions.
- Results driven and forward thinking approach with ability to problem-solve complex issues to drive shared goals and outcomes.
- Exceptional attention to detail, ability to collaborate and excellent written and verbal communication skills.
Benefits:
- Health insurance
- Dental & Vision
- Long-term disability
- 401(k) with standard & Roth options
- Opportunities for growth and professional development
- Unlimited PTO
- Sick Leave & Personal Days
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