Job Description

We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities, with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors, turning complex risk models and portfolio performance into a clear, compelling growth narrative for the investment community. This leader will drive strategic initiatives that enhance risk-adjusted returns, improve underwriting efficiency, strengthen investor confidence, and support scalable growth.

This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills.

What you'll do:

Credit Analytics & Portfolio Risk Management

• 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.

AI-Driven Credit Underwriting Strategy

• 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.

Capital Markets Support

• 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.

Qualifications

What you'll bring:

• 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.

Achieve well-being with:

• 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

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $240,000 - $270,000 + bonus + benefits.

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

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