Credit Strategy Principal
Core
Design and own credit policies, underwriting frameworks, and risk scorecards to govern lending across SME and e-commerce segments, enabling rapid, disciplined growth.
Role type
Principal Credit Strategy (Policy & Underwriting)
Builds
Credit policies, underwriting engines, risk scorecards, and automated lending frameworks
Domain
Fintech / Alternative Lending / SME Finance
Deliverable
production ML models | product features
Required skills
Credit risk policy design, underwriting framework development, risk scorecard construction, portfolio performance analysis, regulatory compliance, stakeholder alignment (Risk/Finance/Legal), AI tool integration, vendor evaluation, data-driven decision making
Preferred skills
SME/e-commerce lending experience, working capital/term lending products (MCAs, STLs, RCFs, LOCs), advanced degree in finance/economics/risk, CFA/FRM certification
Technologies
AI tools for credit packs/memos/scenario analysis, decision science models, engineering tooling
Responsibilities
Design and improve credit policies and frameworks for all customer segments; Translate risk appetite into measurable underwriting rules and portfolio limits; Partner with Risk, Finance, Legal, and Revenue to ensure policy alignment; Rebuild manual underwriting processes into automated playbooks; Build standardized risk scorecards from design to production; Integrate new data sources (bureau, alternative) into underwriting; Own override taxonomy and feedback loops for policy calibration; Generate segment-level insights and Board materials; Utilize AI tools daily for credit analysis and validation
Seniority
Principal, hands-on IC with strategic ownership