Senior Credit Risk Manager / Director
Location: New York
Language: English required; additional language proficiency a plus


Why this role exists and what success looks like
Portfolio resilience:
Within one month of starting, define and model a path to a portfolio capable of absorbing a 100% increase in losses without gross margin falling below a defined threshold.
Early momentum:
Identify and launch at least one experiment within three months that improves approval strategy, credit limits, pricing, or loan duration. Within four months, at least one live experiment should demonstrate a 1 percentage-point increase in gross profit within the treatment group.
Sustained gross profit generation:
Within the first year, generate $1M in cumulative incremental gross profit attributable to implemented credit policy changes and experiments. Within two years, reach $5M in cumulative incremental gross profit.
Experience & Scope NotesThere is no strict years-of-experience requirement. However, to operate effectively at this level and within the expected compensation range, successful candidates typically bring approximately 6–12 years of relevant experience.
This is a senior individual contributor role. Impact is expected to be driven primarily through analysis, experimentation, code, and automation rather than people management. Leadership opportunities may emerge over time where outcomes are best achieved through team expansion. In a fast-growing environment, personal effectiveness—not resource availability—will be the primary limiter of impact.


Relevant background:
At least one year of experience in either non-prime consumer lending or consumer lending within emerging markets. Experience across both is a strong advantage.
Analytical independence:
Demonstrated ability to produce technically correct analysis without requiring validation from others. Advanced SQL proficiency is required.
Autonomy and ownership:
Once familiar with the product and customer base, you proactively identify opportunities for improvement and independently drive initiatives to completion.
Comfort with challenge:
Ability to receive and engage constructively with critical feedback from leaders and stakeholders, including having assumptions and conclusions questioned.
Influence and persuasion:
Capacity to gain alignment and drive adoption of decisions that may be unpopular but are critical to financial health and risk management.
Risk mindset:
Naturally vigilant about downside risk and profit erosion; inclined to dig beyond surface-level explanations and continuously question potential failure modes.
Communication and executive presence:
Clear, confident communicator capable of managing expectations and presenting credibly to senior stakeholders. Communication should be structured, concise, and easy to follow.