Lead credit risk management & pricing strategy for a key unsecured lending personal loan segment
Develop and optimize credit policies, underwriting criteria, exposure management and pricing strategy
Collaborate with cross-functional partners in the development of, and delivery against annual operating and strategic plans
Generate loan issuance that delivers durable risk-adjusted returns
Deliver loan issuance volume consistent with the business plan
Lead the ideation and development of predictive models, grading systems, and experimentation
Ensure agile implementation of credit strategy changes with rigorous production testing and robust controls
Formulate and actively maintain credit policy practices and standard operating procedure manuals
Provide thought leadership and partner with cross-functional groups to drive innovation & new product development initiatives
Manage the development of monitoring systems and performance monitoring mechanisms
Direct timely and accurate completion of all Credit Committee, Board and regulatory reporting from a credit risk perspective
Manage a high-performing team of managers and analysts

10+ years’ experience in financial services, credit risk management, predictive analytics or strategy consulting
People manager with 2+ years of experience leading and mentoring teams
Bachelor’s degree in Statistics, Finance, Economics or a related quantitative discipline; advanced degree preferred; or equivalent work experience
Proficiency in SQL, Python, and Tableau
Strong familiarity with Advanced Analytics techniques and Credit/ML Models with focus on consumer credit products
Deep domain knowledge in unsecured lending (preferably point of sale lending) or credit cards
Demonstrated experience across origination channels with expertise in policy development, pricing optimization and portfolio analytics
Effective collaborator, negotiator and team player

Director, Credit Strategy – Pricing

Key skills