Head of Credit & Fraud

🕒 Setembro 30

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $220.000 - $260.000 / ano

⏰ Tempo Integral

🔴 Especialista

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Happy Money

SiteLinkedInTodas as Vagas

201 - 500 funcionários

Fundada em 2009

💸 Finanças

💳 Fintech

Finance • Fintech

A Happy Money é uma fornecedora de empréstimos pessoais que se concentra em ajudar indivíduos a alcançar seus objetivos financeiros com uma abordagem de empréstimo transparente e focada na comunidade. Oferecendo empréstimos entre $5. 000 e $40. 000, a Happy Money visa promover o bem-estar financeiro, incentivando os tomadores a quitar dívidas e gerenciar melhor suas finanças. A empresa enfatiza um processo de aplicação simples com taxas competitivas e parcerias colaborativas para melhorar a experiência de empréstimo para seus membros.

Descrição

• Own credit and fraud strategy and policy across the customer lifecycle, from acquisition and underwriting through account management • Set credit risk appetite and translate it into credit policy, approval criteria and loss targets • Balance loss rates, approval rates and conversion to grow profitably • Lead growth initiatives and a disciplined test-and-learn agenda with clear success metrics • Own credit performance monitoring, vintage analysis, early-warning indicators, loss forecasting and model governance partnerships • Identify emerging credit and fraud risks and implement timely policy and control changes • Ensure policies meet regulatory, fair lending and partner requirements with Legal & Compliance • Recruit, develop and lead credit, fraud and strategy professionals • Build the mix of in-house talent, third-party partners and automation tools, including AI • Establish operating rhythms including credit committee materials, portfolio reviews, knowledge bases and leadership updates • Partner with executive leadership on company strategy, planning, growth targets and risk appetite • Present performance, forecasts, risks and recommendations to executives, the Board and capital partners • Collaborate with Pricing, Data Science, Data Strategy, Product, Engineering, Marketing, Operations, Capital Markets, Finance and Legal & Compliance • Own the function’s analytics workflow, metrics, dashboards and reports • Serve as senior credit contact for credit unions, banks and institutional investors • Lead credit-related partner and investor due diligence, audits, reviews, forward flow, loan sale and financing discussions

🎯 Requisitos

• College degree in a quantitative discipline such as Economics, Finance, Engineering, Math, Statistics, Business, Science or Computer Science (or equivalent experience) • 12+ years of experience in financial services • 8+ years of credit risk experience, including direct ownership of credit strategy or credit policy decisions for a consumer lending portfolio • Experience owning or partnering closely on fraud risk strategy and controls • Proven track record of building, leading and developing high-performing teams, including remote, multidisciplinary teams • Demonstrated experience building trust across cross-functional teams and cultivating productive feedback • Experience presenting substantiating data-driven strategic decisions to C-suite executives, boards and external partners or investors • Direct experience working with capital partners, bank partners, lenders or investors on credit performance, due diligence or credit program design • Track record of working across Product, Engineering, Data Science and Operations to build and scale credit and fraud decisioning processes and systems • Working knowledge of consumer lending regulation, including fair lending (ECOA / Regulation B), FCRA and model risk management • Highly data driven, with technical fluency to challenge models, analyses and dashboards directly • Experience balancing individual contributions with people-management needs • Preferred: fintech or smaller financial services experience; unsecured consumer lending; bank or credit union partnership models, forward flow or loan sale programs; credit policy writing for new product launches; managing a consumer lending portfolio through a credit downturn; advanced degree

🏖️ Benefícios

• Generous medical, dental, and vision insurance options • Eligible for Annual Bonus • Eligible for Long-term Incentive Program • 401k Plan with a matching contribution • Generous PTO including sick leave, vacation, volunteer, and more • 12 Weeks Paid Parental Leave • Company-paid short & long term disability and life insurance • Monthly tech stipend to help cover expenses for remote work • 100% fully distributed workforce