Director of Credit Risk

🔥 12 hours ago

🗽 New York – Remote

🗽 New York – Remote

💵 $100k - $110k / year

⏰ Full Time

🔴 Lead

👔 Director

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Made Card

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2024

💳 Fintech

👥 B2C

Fintech • B2C

Made Card is a fintech company that offers a consumer-facing Visa Signature credit card and mobile app designed to reward homeownership. The card lets users earn points on mortgage payments, home improvement, maintenance, utilities, and everyday essentials, and provides cashback, discounts, and home-focused perks alongside financial tools. Made Card partners with Lead Bank for card issuance and positions itself as a digital-first, B2C financial product that turns routine home expenses into savings.

📋 Description

• 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

🎯 Requirements

• 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.

🏖️ Benefits

• 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