Head of Credit & Fraud
Core
Own credit and fraud risk strategy for a consumer lending business, balancing growth and losses to maximize risk-adjusted returns.
Role type
Senior IC Head of Credit & Fraud (Strategy & Leadership)
Builds
Credit and fraud policies, decisioning systems, and risk management frameworks for consumer loans.
Domain
Consumer Finance / Credit Risk / Fraud Prevention
Deliverable
production ML models
Required skills
Credit risk strategy, fraud risk strategy, team leadership, data-driven decision making, regulatory compliance (fair lending), capital partner management, product/engineering partnership, loss forecasting, vintage analysis.
Preferred skills
Fintech experience, unsecured consumer lending, bank/credit union partnerships, credit policy writing, managing portfolios through downturns, advanced degree (MBA/MS/PhD).
Technologies
AI tools, dashboards, analytics workflows.
Responsibilities
Set credit risk appetite and translate into policy; balance loss rates and approval rates to grow profitably; run test-and-learn agendas; monitor credit performance and early-warning indicators; lead a high-performing team; partner with Executive Leadership and capital partners; design decisioning roadmaps with Product and Engineering.
Seniority
Senior, hands-on IC with leadership responsibilities