What you'll do:
- Own the performance of all deployed statistical and machine learning models, ensuring seamless translation to effective underwriting decisions and portfolio results.
- Direct end-to-end credit strategy, translating models into underwriting policies, approval strategies, and pricing frameworks that balance growth and loss targets.
- Oversee portfolio monitoring with early-warning systems and proactive risk adjustments across all credit products.
Data & Infrastructure:
- Act as primary owner of data quality roadmap, identifying discrepancies and driving solutions to ensure reliable risk decisioning.
- Source and integrate net-new data signals, including alternative data like transaction-level and behavioral indicators, to improve model accuracy.
- Translate business requirements into data engineering specs for scalable decisioning infrastructure.
Leadership & Collaboration:
- Lead a team of seven risk specialists, creating clarity, momentum, and accountability while maintaining sustainable execution pace.
- Work with Risk Ops, Capital Markets, Finance, Product, and Engineering to align credit strategy with business goals.
- Build a culture of analytical rigor, pragmatism, and bias for action.