Job Description
The Job As EVP, Head of Risk, you will be the architect of our enterprise risk strategy—owning credit risk, model governance, compliance oversight, and the fusion of data science with business strategy. You’ll lead a dynamic team of credit analysts and quants while rolling up your sleeves with executive leadership to help shape everything from pricing models to securitization strategies. Your mission? Safeguard the business, unlock opportunity, and future-proof the company’s risk posture as we scale.
What You'll Do - Risk Strategy & Execution
- Lead credit risk, decision science, and compliance strategy across the full consumer loan lifecycle.
- Drive portfolio performance and pricing through sharp analytics, robust models, and data-backed insights.
- Partner with finance and capital markets on structured finance, securitizations, and warehouse lending deals.
- Team Leadership
- Oversee and grow a team of 8–15 across Credit Risk and Quantitative Risk (Data Science).
- Foster a high-performance culture rooted in accountability, innovation, and collaboration.
- Serve as a key member of the executive leadership team, reporting directly to the President/COO.
- Technology & Innovation
- Implement AI and machine learning models to enhance credit underwriting, fraud detection, and servicing.
- Champion digital transformation within the risk function—automation, dashboards, and predictive analytics are your tools of the trade.
- Govern model development and validation with the rigor expected by regulators and investors alike.
- Governance & Stakeholder Engagement
- Design and enforce the company’s Three Lines of Defense risk management framework.
- Lead internal risk committees and serve as the face of risk to external stakeholders (investors, auditors, regulators).
- Translate complex analytics into executive-level insights and recommendations.
Are You A Fit? What You Need - 10+ years in credit risk, structured finance, or quantitative analytics, ideally in consumer lending or auto finance.
- Proven experience in subprime/near-prime markets, credit modeling, and risk-based pricing.
- Executive presence and boardroom communication skills—you speak both “quant” and “C-suite.”
- Strong technical chops—familiar with machine learning, predictive modeling, and risk tech platforms.
- Bonus points for FRM, CFA, CPA, or advanced degrees in Finance, Economics, Statistics, or Data Science.
Why You’ll Thrive Here - You’ll shape the future of a company poised for explosive growth.
- You’ll work with founders and executives who value innovation, speed, and autonomy.
- You’ll build a risk platform from the ground up—and leave your mark on an industry ready for disruption.
What We Offer You - Competitive Salary
- Health Insurance (medical, dental, vision)
- 401(k) Retirement Plans
- Performance Bonus
- Unaccrued PTO
- Incentive Stock Options
- Collaborative Work Environment
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