Role OverviewWe are seeking an experienced Senior Director of Credit Risk Management to lead the credit risk function for our payments and fintech platform. This role owns the strategy, policies, and infrastructure that manage counterparty, merchant, and transactional credit exposure across our payment products — including merchant acquiring, lending, and embedded finance offerings.
What You Will Do
Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting. Design, implement, and continuously refine credit risk policies, scorecards, and underwriting models to balance risk appetite with revenue and conversion goals.
Why It Might Be a Fit
The ideal candidate combines deep quantitative credit risk expertise with hands-on leadership of underwriting, portfolio monitoring, and loss mitigation teams, and partners closely with Product, Data Science, Finance, Compliance, and Operations to balance growth with prudent risk management.
Requirements
- 12+ years of progressive experience in credit risk management
- Bachelor's degree in Finance, Economics, Statistics, or related field
- Proven experience building or scaling a credit risk function
- Strong quantitative background: experience with credit scoring models, statistical/ML-based underwriting, and portfolio risk analytics
- Track record of managing exposure and losses across a merchant or borrower portfolio
- Deep understanding of payments ecosystem dynamics and related regulatory frameworks
- Demonstrated people leadership: hiring, developing, and managing credit risk or underwriting teams
- Excellent executive communication skills, with experience presenting to senior leadership, Risk Committees, or Boards
Benefits
- Health, dental, and vision insurance
- Retirement savings plan with company match
- Paid time off and holidays
- Professional development opportunities
- Performance-based bonus based on position
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