Broadgate are supporting the search for a Director of Credit to join a high-growth, entrepreneurial consumer lending organization. This is a foundational leadership position responsible for building and scaling credit risk and targeting strategies from the ground up. The role will have direct influence over portfolio performance, risk management, and growth strategy as the business enters its next expansion phase. Reporting into the Chief Risk Officer, this individual will be a key member of the leadership team and will play a central role in shaping the company’s data-driven credit and marketing decisioning framework.

Accountabilities
• Architect and evolve credit risk and underwriting strategies across the customer lifecycle, including acquisition, credit line assignment, and account management decisions.
• Design and execute experimental testing frameworks to support rapid, scalable customer growth across digital and direct marketing channels.
• Apply statistical modeling and machine learning approaches to support portfolio expansion, risk optimization, and targeting effectiveness.
• Manage portfolio performance metrics, ensuring strong risk-adjusted returns while balancing growth objectives and customer acquisition cost efficiency.
• Partner closely with engineering and data teams to implement automated, resilient decisioning systems within production environments.
• Oversee development and deployment of advanced credit models and decision logic, including adverse action reasoning, to support accuracy, fairness, and regulatory compliance.

Skills Required
• 7 years of experience in consumer lending risk management, with strong hands-on expertise in credit card underwriting across near-prime and prime customer segments.
• Demonstrated experience designing, deploying, and managing complex credit strategies and quantitative models, including machine learning applications.
• Advanced proficiency in analytical programming and statistical software such as Python, R, or SAS.

Candidates must be authorized to work in the United States, as sponsorship is not available.