FloatMe - Senior Director, Credit Strategy
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Requirements
• A credit thought leader — You’re deeply knowledgeable on best-in-class credit policies, understands risk, and leverages insights to continuously improve. • You’re process oriented — You are skilled at building scalable processes from scratch to enable efficiency, productivity and scale. • A data-driven decision maker — You’ve got solid analytical skills with the ability to analyze and interpret data to deliver insights that optimize business performance. • An excellent project manager — You are highly skilled at end to end project management and adept at juggling multiple projects and priorities in a fast-paced environment while never missing a deadline. • A collaborative team player — You work effectively with others and love collaborating cross-functionally on high impact projects that add value. • A passionate person — You’re passionate about what we are building and ensuring we maintain the highest standards. • 8+ years of experience in progressive experience in credit, ideally within consumer lending. • Demonstrated consumer lending experience in a company that has an end-to-end automated process. • Experience in fintech or modern lending platforms that prioritize automated credit decisioning. • Experience working with product, engineering, member support, compliance, and finance members to establish our risk thresholds, product changes, and consumer usage. • Strong analytical skills with the ability to interpret financial data and make sound credit decisions. • Results driven and forward thinking approach with ability to problem-solve complex issues to drive shared goals and outcomes. • Exceptional attention to detail, ability to collaborate and excellent written and verbal communication skills.
Responsibilities
• Develop, build, and operationalize our credit portfolio focused on balancing growth vs. risk with an end goal of minimizing our loss rate. • Optimize our efforts to reduce bad debt and loss rates across current and future FloatMe products while delivering on our business goals. • Drive our credit risk philosophy for new and existing customers, understanding different levers and acceptable risk. • Work with our internal Data Engineering team to improve our processes and learnings through machine learning. • Consistently review data and deliver results on credit risk, user trends, and adjust our thresholds accordingly. • Partner cross-functionally with Finance, Compliance, Product, Engineering and Member Support to reduce bad debt while keeping our users top of mind.
Benefits
• Health insurance • Dental & Vision • Long-term disability • 401(k) with standard & Roth options • Opportunities for growth and professional development • Sick Leave & Personal Days
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