VP of Credit (Fintech)

Location: Remote, with hybrid options in New York City or San Francisco; candidates in the New York City or San Francisco Bay Area are preferred for in-person collaboration. Employment authorization verification is required in the United States.

Annual base salary: $270,000–$290,000, excluding other compensation and benefits.

Company

A fintech company focused on financial health products that help consumers manage spending, avoid unfair fees, and build credit.

What you will do

• Own credit strategy, risk appetite, underwriting frameworks, and portfolio performance across cash advances, Line of Credit, and future lending products.
• Lead portfolio monitoring, loss forecasting, vintage analysis, stress testing, cohort optimization, and capital-efficiency decisions.
• Partner with Product, Finance, Marketing, and executive leadership to design, launch, price, and scale credit products using cash-flow and alternative data.
• Collaborate with Data Science and Engineering on ML-driven underwriting and fraud models, including requirements, deployment, monitoring, governance, and recalibration.
• Own credit-related fraud strategy while balancing prevention, approval rates, profitability, and customer experience.
• Build and lead a credit organization across strategy, portfolio management, underwriting, and risk operations; establish KPIs, dashboards, and operating rhythms.

Requirements

• 9+ years of experience in retail or consumer lending, credit, risk management, or underwriting.
• Demonstrated ownership of credit strategy and portfolio performance for scaled consumer lending products.
• Strong experience with alternative, non-FICO underwriting data; bank transactional data experience is a significant plus.
• Working knowledge of data science and machine learning concepts, including regression, classification, forecasting, and model deployment tradeoffs.
• Ability to write, review, or closely engage with SQL or Python code and build small to medium-sized teams.
• Experience influencing executive decisions and balancing growth, profitability, risk, and customer outcomes in high-growth lending environments.

Nice to have

• Startup or high-growth fintech experience.
• Experience working across credit, product, and analytics functions.
• Experience building fair and responsible credit products.

Culture & Benefits

• Medical, dental, and vision insurance.
• Flexible PTO and paid parental leave.
• 401(k) plan.
• Physical and mental wellbeing benefits, including fitness and therapy support.
• Monthly reimbursements for Wi-Fi and mobile phone bills.
• Annual learning and development reimbursement in a flexible, collaborative startup environment.