About the company
This position is listed on behalf of a partner company, a fast-scaling fintech environment.
Responsibilities
- Build and maintain the enterprise risk tolerance framework, including delinquency guardrails, fraud targets, escalation thresholds, and monitoring practices.
- Establish second-line risk governance and define when Risk approval is required for credit policy changes, fraud controls, product features, and other risk-sensitive decisions.
- Establish and lead the Risk Committee, including meeting cadence, reporting materials, escalation processes, and executive communication.
- Lead and develop the Senior Managers responsible for Fraud Operations and Credit.
- Partner with Product and Engineering teams to translate risk policies into product logic, application-stage controls, automated decisioning, and embedded safeguards.
- Work closely with Sales to manage risk appetite and establish practical guardrails.
- Partner with Legal and Compliance on regulatory requirements, including BSA/AML, UDAAP, and card-issuing compliance.
- Develop risk reporting infrastructure and provide regular analysis of delinquency and fraud performance.
- Translate operational and financial risk indicators into clear P&L, executive, and board-level insights.
- Identify emerging risks and establish escalation mechanisms.
Requirements
- 8–10+ years of professional experience in risk management, with substantial credit experience and ideally combined credit and fraud expertise.
- 3+ years of experience leading teams.
- Experience balancing rigorous risk management with business growth.
- Direct experience partnering with Product and Engineering teams.
- Strong cross-functional influence and stakeholder management skills.
- Working knowledge of BSA/AML, UDAAP, and card-issuing regulatory requirements.
- Experience in fintech, card issuing, or lending environments is required.
- Excellent executive communication skills.
- Strong analytical, strategic, decision-making, and problem-solving capabilities.
- FRM, CPA, or CFE certification is a plus.
Conditions
- Base salary range of $171,000–$202,000 USD, depending on experience, expertise, and location.
- Equity provided to all employees.
- Annual bonus eligibility may apply.
- Remote or hybrid-hub working arrangements.
- Comprehensive benefits and additional perks.