8-10 years of credit and/or analytics experience in Fintechs or credit institutions
3+ years of direct risk experience with small businesses or merchants
Deep understanding of underwriting principles and unsecured credit risk
5+ years of leadership experience in analytics or data science teams
Strong proficiency in SQL and Python or R, with BI tools experience
Exceptional leadership and communication skills
Bachelor's degree in a quantitative field, advanced degrees preferred.
Responsibilities
Own and oversee Credit Policy & Analytics functions across the organization
Lead the development and implementation of advanced AI/ML models
Develop and maintain key portfolio KPIs and identify growth opportunities
Support Business Operations with data-driven insights
Collaborate with Product and Engineering to implement strategies in decision engines
Leverage multiple data sources to enhance the credit strategy
Identify user flow improvements to minimize customer friction
Manage analytics infrastructure and prioritize organizational needs
Oversee executive discussions on analytic priorities
Coach and develop the analytics team for effective leadership.
Benefits
Dental Insurance
Health insurance
Vision insurance
Paid time off
401k with match
Company paid ID protection
Company paid life insurance
Full Job Description
About the VP of Credit & Business Intelligence
Reporting directly to the SVP of Credit & Analytics, the successful candidate will oversee the Credit Policy & Analytics function for small business financing and emerging embedded finance products. This pivotal role aims to empower small businesses by managing the risk appetite through advanced decisioning models, growth strategies, reporting, and analytics vital to the organization.
Requirements
Job Responsibilities
Own Credit Policy & Analytics across the organization - Credit Origination, Account Management, Portfolio monitoring, Collections and Loss/Growth Forecasting.
Lead development, validation and implementation of advanced AI/ML models and strategies to expand small business access to finance, taking intelligent risks.
Develop and maintain the key portfolio KPIs and inventory of periodic analysis to continuously identify risk and growth opportunities.
Support effective challenge of Business Operations through Data & Data Science based Business Intelligence rhythms.
Partner with Product, Engineering and Operations to productionize strategies in decision engines, while ensuring data quality, monitoring and controls.
Leverage Open Banking (Plaid), Credit (Commercial & Personal), Business Identity, Fraud and validation sources to evaluate improvements in our Credit strategy and merchant experience.
Identify areas to reshape user flows, reduce customer friction and optimize the credit funnel.
Manage Analytics infrastructure needs for proactive highlighting of issues that need to be addressed and prioritized in the organization.
Manage Executive discussions on Analytics prioritization for the most pressing business needs.
Coach, Mentor and Develop the Analytics team to turn into effective Credit & Business Intelligence champions and credit policy owners.
Job Requirements
8-10 years of credit and/or analytics experience at Fintechs or Credit institutions, with 3+ years of direct merchant / SMB risk experience preferred.
Deep knowledge of underwriting using bank & cash-flow analysis, bureau & alternate data, bureaus etc. with a focus on unsecured credit risk.
5+ years of leading teams (data science, analytics, risk policy) and scaling analytics functions at a growing organization.
Proven track record of implementing business intelligence-based optimization strategies (reporting & alerting) with P&L impact.
Fluency in SQL and Python or R; experience with BI tools (PowerBI/Tableau) and cloud data platforms (Snowflake/AWS/Databricks).
Outstanding leadership, communication, and interpersonal skills, with the innate ability to inspire and motivate a team.
Bachelors in a quantitative field; advanced MS/PhD qualifications are a plus.
