Director of Credit Risk

🕒 Junho 22

🗽 New York – Remoto

🗽 New York – Remote

💵 $100.000 - $110.000 / ano

⏰ Tempo Integral

🔴 Especialista

👔 Diretor

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Made Card

SiteLinkedInTodas as Vagas

11 - 50 funcionários

Fundada em 2024

💳 Fintech

👥 B2C

Fintech • B2C

A Made Card é uma fintech que oferece um cartão de crédito Visa Signature voltado para o consumidor e um aplicativo móvel projetado para recompensar a posse de imóveis. O cartão permite que os usuários acumulem pontos em pagamentos de hipoteca, melhorias residenciais, manutenção, contas de serviços públicos e essenciais do dia a dia, oferecendo cashback, descontos e benefícios focados em casa, juntamente com ferramentas financeiras. A Made Card faz parceria com o Lead Bank para a emissão de cartões e se posiciona como um produto financeiro digital-first, B2C, que transforma despesas domésticas rotineiras em economias.

Descrição

• Define and optimize credit strategies for new account approvals • Develop, refine, and monitor credit policies and customer segmentation strategies • Design pricing and credit limit frameworks to maximize risk-adjusted returns • Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs • Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability • Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs • Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans

🎯 Requisitos

• 2+ years of experience in consumer lending or credit risk • Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections • Hands-on experience with credit risk models and credit bureau data (traditional and alternative) • Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus) • Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

🏖️ Benefícios

• Competitive salary with a meaningful stake in the company via equity • Comprehensive medical, dental, & vision benefits • Company-wide orientation for onboarding and learning & development opportunities • Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners • Quarterly budgets for team and company outings • Flexible paid time off, sick days, and 11 company holidays