Head of Risk - Fintech.

Head of Risk

Full Remote / $200k - $250k Equity

About the Role:

The underwriting strategy of my client is customer-focused, prioritizing an efficient process. The objective is to utilize technology and data to make swift and informed underwriting decisions that are customized to meet the distinct needs of clients. As the lead of the Risk Strategy & Operations team at my client, the candidate will design and drive operational projects related to underwriting, customer risk management, and fraud. This role demands knowledge of underwriting procedures, a strong grasp of data, and the capacity to assess risk factors - all translating into sound underwriting judgment and risk management.

Expectations:

• Establish risk, monitoring, and governance mechanisms to safeguard optimal portfolio health while scaling the business.
• Work closely with key leaders to define credit strategies and scale various lending programs.
• Apply knowledge of data-driven decision-making and credit card unit economics to execute effective strategies.
• Promote and nurture a culture that values truth-seeking and responsible lending practices.
• Engage in and influence cross-functional cooperation to drive essential product features.
• Develop and sustain monitoring dashboards for underwriting results, processes, and losses.
• Investigate emerging trends in underwriting risks and fraud to advance innovation in decision-making systems and policies.

Experience needed:

• Minimum 5 years of experience building credit strategies, preferably with credit card products.
• Experience building/working with credit risk and valuation models.
• First principles thinker and rigorous problem solver.
• Strong communicator of ideas and results.
• Hands-on experience with SQL/R/Python | Familiarity with data science models.
• Nice to haves: Broader experience than just cards, such as payments, lending, and insurance | Experience in high-growth startups.