Credit Strategy Director

November 24

🏄 California – Remote

Although this job is listed in California, this company may be open to hiring remote in other states.

🗽 New York – Remote

Although this job is listed in New York, this company may be open to hiring remote in other states.

+4 more states

🏄 California – Remote 🗽 New York – Remote 🌲 North Carolina – Remote 🤠 Texas – Remote ⛷️ Utah – Remote ☕ Washington – Remote

💵 $150k - $210k / year

⏰ Full Time

🔴 Lead

🧐 Strategy

🦅 H1B Visa Sponsor

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Varo Bank

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Banking • Finance • Fintech

Varo Bank is a forward-thinking financial institution offering innovative banking solutions for a modern financial lifestyle. With no hidden fees, Varo provides easy access to money management, savings with high APY, credit-building services, and flexible cash advance options. Customers can benefit from early access to their pay, automatic cashbacks, and utilities like savings calculators and auto-savings tools. Varo's products include an online bank account, high-yield savings account, a credit-builder card, and personal line of credit. The bank emphasizes financial empowerment with transparency and customer-centric services, backed by FDIC insurance for security and peace of mind.

501 - 1000 employees

Founded 2015

🏦 Banking

💸 Finance

💳 Fintech

📋 Description

• Lead Credit Strategy for New Products: Develop and implement credit strategies for new products, including underwriting, pricing, and credit policies from ideation to post-launch monitoring • Analyze and Optimize: Conduct deep-dive analyses of KPIs to identify trends and understand portfolio performance. Propose and implement data-driven policy changes to improve risk-adjusted returns and customer experience • Drive Experimentation: Design and execute A/B tests to optimize credit policies, user experience, and risk controls • Inform and Influence: Present analysis and strategic recommendations to key stakeholders and executive leadership • Collaborate Cross-Functionally: Partner with Product, Engineering, Data Science, Marketing, Operations, and Legal teams to deliver best-in-class, compliant credit offerings • Champion Best Practices: Build and maintain monitoring dashboards and develop performance tracking to ensure proactive risk management

🎯 Requirements

• 8+ years of experience in consumer credit risk management or credit strategy, preferably at a fintech or major financial institution • Strong understanding of the consumer credit lifecycle, including origination, underwriting, fraud, and collections. Experience with traditional and alternative credit bureau data is essential • Ability to translate business problems into a data-driven approach, including hypothesis testing and root cause analysis • Advanced expertise in data analysis and manipulation using SQL or Python • Experience with advanced statistical techniques and a solid understanding of relational databases • Strong ability to independently identify and solve problems in a fast-paced environment • Education: Bachelor's or Master's in a quantitative field like Computer Science, Economics, Math, Statistics, or Engineering • Experience with machine learning models in a credit risk context is a plus • Familiarity with business intelligence tools like Tableau or Looker is a plus • Experience at a high-growth fintech or tech startup is a plus

🏖️ Benefits

• This role is also eligible for a bonus • equity • competitive benefits