Own credit and fraud strategy across the customer lifecycle to maximize risk-adjusted returns.
Lead and develop a high-performing credit and fraud team while partnering with executives and capital partners.
Drive disciplined test-and-learn initiatives, portfolio monitoring, and regulatory compliance to support profitable growth.
Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions. With more than $6.5 billion in loans originated and a 100% fully distributed remote team, Happy Money brings together purpose-driven professionals focused on making a real impact.
Define and own Engine's risk tolerance framework, including delinquency rate guardrails, fraud rate targets, and escalation thresholds.
Establish second-line governance and stand up the Risk Committee to keep leadership informed.
Partner with Product, Engineering, Sales, and Legal to embed risk standards into the product and enable growth.
Engine is the AI-native platform for intelligent travel, building the technology and supply behind modern business travel. Serving over 38,000 customers and nearly 2 million travelers, Engine is recognized as a best workplace for innovators.
Translate credit strategy recommendations into business rules, decision logic, and system configurations.
Collaborate with Risk, Compliance, Scoring, and Technology teams to implement model updates and ensure compliance.
Develop and execute testing, change control, and documentation processes for scoring engine configuration.
Attain Finance is a consumer credit lender providing credit solutions across the U.S. and Canada. With over 50 years of expertise, the company fosters innovation and collaboration with a portfolio of brands including Cash Money, LendDirect, and Heights Finance.
Evaluate prospective commercial borrowers and analyze complex financial information to assess credit risk.
Prepare comprehensive credit memorandums and supporting documentation for loan approval.
Mentor junior credit team members and collaborate across departments to improve credit processes.
This is a remote opportunity with a partner company that manages applications. They focus on commercial lending and portfolio management, seeking an experienced credit professional. The culture is collaborative, inclusive, and supportive, with a focus on process improvement and work-life balance.
Provide ongoing oversight of credit risk across lending products and develop monitoring metrics.
Partner with first line teams to support credit strategy changes and new product launches.
Deliver deep insight and challenge on credit strategies using data-driven analysis and build strong stakeholder relationships.
Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, savings, investments, and credit cards. With a collaborative culture and a focus on diversity and inclusion, Monzo has grown significantly in the UK over the past 10 years.
Gather and analyze complex credit and financial information for loan decisions.
Prepare cash flow projections, sensitivity analyses, and loan presentations.
Assess credit risk and ensure compliance with bank policies and regulations.
Fulton Bank is a financial institution providing banking and lending services. It fosters a culture of continuous learning, work-life integration, and inclusion, with a focus on community impact.
Assess brand, compliance, fraud, and financial risk to determine credit exposure on new and existing merchants.
Use business credit reports, financial documents, and investigative tools to conduct risk assessments of merchants.
Investigate and leverage new third-party data sources to evaluate merchant financial risk.
Affirm is reinventing credit to make it more honest and friendly, offering consumers flexibility to buy now and pay later without hidden fees. The company is a remote-first financial technology firm with a focus on employee well-being and inclusive culture.
Own end-to-end delivery of technology programs for credit and lending products.
Manage integrated program plans across engineering, product, risk, compliance, treasury, and operations.
Drive incident learnings back into design, test coverage, and runbooks.
Mercury is a fintech company building a digital bank for ambitious businesses. It fosters a diverse and collaborative culture, focusing on innovation and operational excellence.
Underwrite a variety of lending products efficiently, applying credit policies and minimum standards to manage risk.
Collaborate with Business Development Officers to provide consultative credit perspectives and review deal packages.
Manage the underwriting process from initial review through closing, including financial analysis, due diligence, and mentoring team members.
Pathward is a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger.
Collect, review, and analyze applicants' financial information including bank statements, credit reports, and business financial statements.
Directly communicate with clients and sales teams about application status and additional document requirements.
Make underwriting decisions to approve, decline, or seek exceptions based on policy guidelines and risk assessment.
Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. The company serves nearly 100,000 customers across various industries and fosters a diverse and inclusive workplace.
Review loan applications, income verification, credit reports, and property valuations for manufactured housing loans.
Assess borrower creditworthiness and evaluate key financial indicators to determine loan feasibility and risk.
Collaborate with dealers and brokers to manage loan files and communicate underwriting decisions clearly.
Zippy provides fast, fully online loans for manufactured homes, offering home loans and insurance to buyers throughout the US. We are a remote-first, institutional-backed team headquartered in Dallas, TX, with a culture focused on passion, collaboration, and shared success.
Own test strategy for underwriting decisioning, including rules changes, evidence ingestion, and risk classification.
Design test scenarios that reflect real underwriting complexity, covering impairments, evidence sources, and edge cases.
Validate rules engine behavior across releases and translate underwriting requirements into testable acceptance criteria.
Bestow is a vertical technology platform that modernizes life insurance infrastructure for carriers. Backed by investors like Goldman Sachs and NEA, the company offers flexible remote/hybrid work, equity, and substantial growth opportunities with a focus on precision and purpose.
Underwrite consumer and residential mortgage loan requests, evaluating creditworthiness, repayment capacity, and risk profile.
Ensure compliance with bank policy, regulatory requirements, and risk management standards.
Collaborate with loan officers, originators, and credit administration to structure loans and recommend approvals.
Climate First Bank is a Florida Benefit Corporation and FDIC-insured commercial bank offering personal and business services with a focus on sustainability. As a Certified B Corporation with multiple branches and a growing digital presence, the bank fosters a mission-driven culture of goal-setters, go-getters, and changemakers.
Own Fi's data platform and analytics roadmap, modeling device, membership, and operational data into pipelines and warehouse layers.
Lead a team of four analysts, coaching them and raising the bar on rigor and documentation.
Partner with Finance and Product on subscription economics, board reporting, and experiment reads.
Fi is a pet technology company developing smart collars to revolutionize the human-pet relationship. They are a Series B startup with a small, passionate team from Square, Google, and other top companies focused on improving pet health and communication.
Own the credit risk data layer, from vendor data contracts to Snowflake warehouse tables and pipelines.
Monitor data freshness, volume, fill rate, schema, and drift; triage incidents to root cause and closure.
Build automated data quality tests and documentation for reproducible modeling datasets and governed metrics.
Kiwi Financial Inc. is a financial technology company that uses data and AI to make credit risk and lending decisions. The company is remote-first and works as a collaborative multidisciplinary team across Credit Risk, Data Science, Engineering, and Product.
Own the lending P&L, including revenue, cost of funds, credit losses, and operating costs.
Set commercial and credit strategy, determining who to lend to, on what terms, and at what price.
Build and lead the commercial lending team, and drive distribution through direct and partner channels.
Moniepoint is Africa's leading business payments and banking platform, providing payments, banking, credit, and business management tools. Having built Nigeria's most reliable business banking infrastructure, they are now expanding into Kenya, with a mission to drive financial inclusion across the continent.