Director of New Account Underwriting & Pricing

New Account Credit Strategy:

• Development, implementation, and management of comprehensive new account credit underwriting and risk-based pricing strategies aligned to performance, growth, and profitability targets.
• Own the credit policy suite, including segmentation, decision logic, exposure limits, pricing tiers, and exception frameworks.
• Define and refine risk appetite, incorporating credit performance data, regulatory expectations, and partner bank requirements.

Technical and Analytical Skills:

• Translate credit strategies into clear technical requirements for Engineering to implement within BMG Money’s platform and rules engine.
• Perform deep-dive analytics on credit performance (approvals, delinquencies, loss curves, profitability, and yield) to continuously refine strategy.
• Strong analytics skills with proficiency in SQL, Python, R, or equivalent analytical tooling.

Collaboration:

• Collaborate closely with Fraud Strategy to create cohesive decision flows that integrate credit risk and fraud risk mitigation.
• Partner with Compliance and Legal to ensure adherence to regulatory expectations and underwriting governance standards.
• Maintain strong relationships with partner banks, communicating credit strategies, updates, performance insights, and risk posture.