Achieve
1001 - 5000 employees
Founded 2002
💸 Finance
💳 Fintech
💰 $50M Debt Financing on 2023-06
Finance • Fintech
Achieve is a leader in digital personal finance, dedicated to helping individuals achieve better financial futures. The company provides a wide range of services focused on managing and reducing debt, including debt resolution, debt consolidation, and various loan options such as personal and home equity loans. Achieve also equips its users with tools like the Debt Payoff Calculator and educational resources to enhance financial literacy. With a mission to reduce debt-related stress, Achieve offers personalized solutions, innovative technology, and expert guidance to improve clients' financial health. Rated TrustScore 4. 8/5, Achieve has resolved over $19 billion in debt and funded over $11 billion in loans, positioning itself as a reliable partner in personal finance management.
Director, Credit Risk Analytics – Capital Markets
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Achieve
1001 - 5000 employees
Founded 2002
💸 Finance
💳 Fintech
💰 $50M Debt Financing on 2023-06
Finance • Fintech
Achieve is a leader in digital personal finance, dedicated to helping individuals achieve better financial futures. The company provides a wide range of services focused on managing and reducing debt, including debt resolution, debt consolidation, and various loan options such as personal and home equity loans. Achieve also equips its users with tools like the Debt Payoff Calculator and educational resources to enhance financial literacy. With a mission to reduce debt-related stress, Achieve offers personalized solutions, innovative technology, and expert guidance to improve clients' financial health. Rated TrustScore 4. 8/5, Achieve has resolved over $19 billion in debt and funded over $11 billion in loans, positioning itself as a reliable partner in personal finance management.
📋 Description
• Develop and enhance analytical frameworks to assess portfolio credit quality, monitor portfolio performance, and surface emerging credit trends. • Partner with Capital Markets, Finance, and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin. • Track macroeconomic, industry, and market developments and assess their potential impact on portfolio performance and credit risk. • Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development, validation, and enhancement efforts. • Lead the exploration and practical development of Credit Risk’s AI and advanced analytics strategy to strengthen underwriting, risk assessment, and portfolio management capabilities. • Identify, evaluate, and integrate alternative internal and external data sources to enhance borrower assessment, risk identification, and predictive model performance. • Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows, enhance signal detection, and improve speed-to-insight and execution. • Drive automation of underwriting processes to improve decision speed, consistency, operational efficiency, and scalability. • Partner with Capital Markets and Finance teams to support securitizations, warehouse facilities, whole-loan sales, and other structured finance transactions. • Translate credit forecasts, portfolio performance, and strategic initiatives into clear, investor-focused narratives and capital markets communications. • Design and maintain a suite of BAU reporting and analytics to support investor relations, transaction execution, and ongoing capital markets activities. • Own Credit Enhancement projections in partnership with the Loss Forecasting team, proactively identifying risks, opportunities, and key drivers impacting Credit Enhancement liability.
🎯 Requirements
• 8+ years of experience in credit risk analytics, credit strategies, or quantitative risk management or related financial services disciplines • 5+ years of leadership experience managing analytics, data science, or credit risk functions • Strong knowledge of consumer lending (Personal loans, HELOC) • Proven track record leading strategic transformation initiatives and cross-functional programs • Advanced analytical skills (SQL, Python, or similar) • Ability to translate complex analytical concepts into actionable business recommendations • Strong analytical, problem solving and communication skills • Strategic thinker with strong business acumen and executive presence • Strong stakeholder management skills across executive leadership, investors, regulators, and external partners • Preferred: Experience supporting Capital Markets function at a fintech • Demonstrated experience deploying AI/ML solutions in lending, underwriting, or risk management environments • Strong knowledge of Debt Settlement business.
🏖️ Benefits
• 401 (k) with employer match • Medical, dental, and vision with HSA and FSA options • Competitive vacation and sick time off, as well as dedicated volunteer days • Access to wellness support through Employee Assistance Program, physical and mental health wellness programs • Pet care discounts for your furry family members • Financial support in times of hardship with our Achieve Care Fund • A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups
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