Job Description

This role leads the development and execution of data-driven, market-responsive credit strategies within our consumer lending portfolio. This forward-looking role focuses on current underwriting and risk analytics excellence and builds the foundation for partner ecosystem growth and innovation-driven strategy.

Responsibilities

• Designs, implements, and refines dynamic underwriting strategies
• Uses portfolio and pool risk analytics to continuously monitor and optimize loan performance
• Aligns credit strategies with evolving regulatory standards and partner requirements
• Interprets and applies key regulatory frameworks
• Proactively responds to changes in the risk landscape
• Partners with Legal, Compliance, and Risk Governance
• Leads analytics supporting product innovation, partner development, and ecosystem integration
• Translates data insights into actionable recommendations
• Evaluates new lending opportunities and partner channels
• Serves as a bridge between analytics, strategy, and execution
• Applies systems thinking
• Champions experimentation and adoption
• Other duties as assigned

Requirements

• Bachelor’s degree in Finance, Economics, Statistics, Business, or a related field; Master’s degree preferred
• Minimum of 8 years of related experience
• Advanced proficiency with SAS, SQL, Python, or R
• Demonstrated expertise in credit risk, portfolio analytics, and scorecard development
• Strong familiarity with consumer credit regulations
• Familiarity with key regulatory frameworks
• Strong data analytics and partner management capabilities
• Familiarity with pool risk analytics and scenario-based modeling
• Strategic and critical thinker
• Excellent verbal and written communication skills
• Proactive, emotionally intelligent, and passionate about continuous learning

Benefits

• No benefits