About the Role

We’re hiring a Senior Director, Credit Strategy to build and lead our credit function at FloatMe. As our Senior Director, Credit Strategy, you’ll set strategic priorities, optimize our processes, and help to drive cutting edge automation for high volume. We’re a small, nimble team which means this role requires the flexibility to switch gears between tactical execution on the front line and strategic planning and execution. The ideal fit for this role has deep knowledge of consumer credit risk, optimal processes, and customer success strategies. We are looking for someone who is highly detail oriented, leads with strategy, and collaborative. This role reports to our CEO. If you’re excited to join an early stage startup where you’ll be challenged and can help drive the success of the business, we’d love to hear from you!

What You’ll Do

• 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.

Who You Are

• 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.

Requirements

• 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.

Benefits

• Health insurance

• Dental & Vision

• Long-term disability

• 401(k) with standard & Roth options

• Opportunities for growth and professional development

• Unlimited PTO

• Sick Leave & Personal Days