Director, Credit Risk

1 hour, 13 minutes ago
Full-time
Executive
Data Science and Analytics
Puck

Puck

Puck helps great teams find great teammates through employer branding, conversations, and authentic candidate engagement, using personalized automation to enhance the candidate experience and improve hiring metrics.

Internet Software & Services
1-10
Founded 2020

Description

  • Lead the development, deployment, testing, monitoring, and optimization of credit strategies for lending products.
  • Analyze lending products, applications, and portfolio performance to improve return while staying within the company’s risk appetite.
  • Design data-driven credit strategies for pre-screening, underwriting, risk tiering, loan amount assignment, and verifications.
  • Partner with the Data Science team to design new machine learning risk models.
  • Collaborate with cross-functional teams to deploy new strategies and evaluate new data sources and models.
  • Establish target metrics and expectations, and monitor strategy and portfolio performance over time.
  • Identify gaps, issues, and business problems, and recommend solutions.
  • Lead monitoring analyses and continuous improvement efforts for existing processes and funnel conversions.
  • Communicate results, insights, and recommendations to senior leadership and business partners.
  • Lead, mentor, and develop team members and participate in risk team hiring.
  • Manage multiple projects with cross-functional stakeholders, prioritize work, and meet deadlines.
  • Coordinate with Product, Analytics, Capital Markets, and FP&A teams to support business results and accurate portfolio performance reporting.

Requirements

  • Master’s degree in Finance, Mathematics, or a closely related field.
  • 7 years of experience as a risk manager or in a related occupation in the consumer lending industry.
  • 7 years of experience developing data-driven credit strategies for lending products, including pre-screening, underwriting, risk tiering, loan amount assignment, and verifications.
  • 7 years of experience with modeling techniques, including decision trees, logistic regression, gradient boosting models, and other machine learning models.
  • 7 years of experience analyzing customer performance data, bureau attributes, and other third-party variables to solve business problems.
  • 7 years of experience building underwriting risk scores.
  • 7 years of experience with cash flow financial modeling and lending products’ P&L evaluation.
  • 7 years of experience with loss forecast methodology and portfolio management.
  • 7 years of experience using Excel, SQL, and Python.
  • 7 years of experience with A/B testing.
  • 7 years of experience using business intelligence tools, including Looker or Tableau.
  • Telecommuting is permitted up to five days per week, but the employee must live in the Oakland, California area.
  • Position is 100% remote.

Benefits

  • Salary of $298,022 per year.
  • Health, dental, and vision benefits plus savings plans.
  • Mac computers and a work-from-home stipend for home office setup.
  • Monthly internet and phone reimbursement.
  • Employee Stock Purchase Plan.
  • Restricted Stock Units (RSUs).
  • 401(k) plan with company match.
  • Robust tuition reimbursement program.
  • $1,000 annual travel perk on each Earnie-versary.
  • Competitive days of annual PTO and competitive parental leave.

Interested in this position?

Apply directly on the company website

Apply Now

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