Director of Credit Risk

Role Overview

The Director of Credit Risk will shape and lead MadeCard’s credit risk strategy across the customer lifecycle. The role drives underwriting, pricing, segmentation, and decisioning for the credit card product, oversees credit portfolio performance, and leads the company’s Decision Science practice.

Responsibilities

• Underwriting & New Accounts
  • Define and optimize credit strategies for new account approvals while maintaining strong risk controls
  • Run test-and-learn mechanisms
  • Own implementation of strategies in the risk decision engine
• Credit Policy & Segmentation
  • Develop, refine, and monitor credit policies and segmentation to improve risk differentiation
• Pricing & Limits
  • Design pricing and credit limit frameworks to maximize risk-adjusted returns
  • Manage pricing/limit actions such as penalty pricing, limit increases, and reductions
• Model Decisioning
  • Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs
• Portfolio Performance
  • Define and monitor KPIs, analyze trends, and deliver insights to maintain portfolio quality and profitability
• Collections Strategy
  • Develop data-driven strategies to reduce delinquencies and charge-offs
• Risk Operations
  • Conduct manual reviews (e.g., underwriting, limit increases)
  • Document exceptions, handle credit bureau disputes, and set up payment plans

Requirements

• 2+ years of experience in consumer lending or credit risk in a fintech environment
• Strong experience in at least one of: underwriting, pricing, portfolio management, collections
• Hands-on experience with credit risk models and credit bureau data (traditional and alternative)
• Strong technical acumen: ability to pull data, analyze, create KPIs, and build reporting tools
• Ability to communicate complex analyses and strategies to both technical and non-technical stakeholders
• Python and SQL knowledge is a plus

Nice to Have

• Experience in fintech, credit cards, real estate, or home services
• Familiarity with compliance-heavy/regulatory marketing environments
• Interest in credit cards, rewards, or homeownership products