Sr. Director, Credit Risk Analytics

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Sr. Director, Credit Risk Analytics based in United States.

This is a senior leadership opportunity at the intersection of consumer lending, advanced analytics, and business strategy. You will own the full lifecycle of credit risk management across personal lending, from underwriting and pricing through verification and portfolio performance. The role combines strategic leadership with hands-on engagement in ML/AI-driven decisioning and risk analytics. You will influence executive decisions, investor communications, and enterprise-wide risk strategy while balancing profitable growth with credit and fraud performance. Working across Product, Engineering, Capital Markets, Legal, Compliance, Operations, and Marketing, you will turn complex data into clear business actions. You will also lead and develop a high-performing team while identifying new technologies, data sources, and capabilities that strengthen the organization’s competitive position.

Accountabilities:: Own the end-to-end credit risk strategy for the personal loan business, including underwriting, pricing, verification, credit performance, and fraud risk management.

Develop and continuously optimize automated credit, pricing, and verification strategies using advanced analytics, machine learning, AI models, and data-driven techniques.

Evaluate risk-return trade-offs and translate complex analytical findings into actionable recommendations that support profitable growth and attractive investor outcomes.

Present strategic recommendations, portfolio insights, and risk perspectives to executive leadership and the Credit Risk Committee, incorporating business impact and resource considerations.

Serve as a trusted external-facing expert by translating complex credit and risk analytics into clear, compelling narratives for investors and other stakeholders.

Partner closely with Capital Markets, Product, Engineering, Legal, Compliance, Operations, Marketing, and other functions to implement, monitor, and refine risk strategies.

Manage credit risk appetite by overseeing credit loss forecasting, stress testing, portfolio monitoring, and proactive responses to emerging performance trends.

Analyze portfolio performance at granular segment levels to identify key drivers, emerging risks, opportunities, and required strategy changes.

Evaluate emerging technologies, alternative data sources, and external vendors, developing business cases for capabilities that can enhance risk management and decisioning.

Lead, mentor, and develop a high-performing analytics organization while fostering innovation, accountability, collaboration, and continuous improvement.

Requirements:

Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or another quantitative discipline.

12+ years of experience managing credit risk, particularly within personal lending or credit card environments.

Deep expertise in consumer credit and fraud risk management, with strong commercial and business judgment; experience with loss forecasting is highly valued.

7+ years of people leadership experience, with a demonstrated ability to build, mentor, motivate, and retain high-performing teams.

Strong understanding of credit strategy frameworks, underwriting, pricing, verification, portfolio analytics, risk appetite, and data-driven decisioning.

Experience applying machine learning, AI, advanced analytics, and emerging technologies to credit or fraud risk challenges.

Exceptional written and verbal communication skills, with the ability to explain sophisticated analytical and technical concepts clearly to executives, investors, and cross-functional stakeholders.

Strong relationship-building and influencing skills, with the ability to operate effectively across diverse teams and viewpoints in a highly collaborative environment.

Business-owner mentality, strong strategic thinking, and the ability to balance innovation with disciplined risk management.

Demonstrated agility in fast-paced environments, including the ability to manage competing priorities, meet deadlines, and respond confidently to unfamiliar or complex questions.

Ability to work effectively in a hybrid environment, balancing remote collaboration with in-person engagement.

Benefits:

Competitive annual base salary of $227,000–$338,000 , plus bonus opportunities.

401(k) retirement plan with a 5% company match .

Comprehensive health coverage and resources supporting holistic well-being.

Flexible time off and paid parental leave.

Annual wellness allowance.

Flexible, digital-first working environment with remote and hybrid options.

Professional development resources, including access to Udemy.

Childcare assistance and pet insurance.

Additional employee savings and perks through Beneplace.

Opportunities to work with a highly collaborative, innovation-focused team and contribute to meaningful advancements in financial well-being.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether?    Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.     #LI-CL1