Sr. Director of Credit Risk Analytics

What You’ll Do 

The Sr. Director of Credit Risk Analytics is a senior leadership role responsible for the full Credit Policy function — from strategy design through execution and measurement. You will own the credit program's analytical infrastructure, set the team's agenda, and be the primary accountable owner for portfolio profitability. This is a high-visibility role that requires equal parts strategic vision and quantitative rigor, with a strong bias toward structured experimentation and evidence-based decision-making. 

You will report directly to the Chief Risk Officer and serve as a key cross-functional partner to the Data Science, Finance, Product/Tech, and Sales teams. 

Credit Policy Strategy & Program Ownership 

• Define and own the Credit Policy roadmap, setting the team's agenda in alignment with company growth, risk appetite, and profitability objectives
• Determine which underwriting strategies, credit policy levers, and product term configurations to pursue — and in what sequence
• Partner with the Data Science team to translate policy intent into model inputs, scorecard strategies, and decisioning logic
• Ensure that credit policy decisions account for second-order effects, including merchant engagement and performance impacts associated with changes 

Experimentation & Strategy Measurement 

• Design, execute, and monitor controlled experiments (A/B tests, champion/challenger frameworks) for all material credit policy and product term changes prior to full rollout
• Establish rigorous experimental design standards that ensure clean attribution — isolating the impact of individual policy changes from macro, seasonal, and cohort effects
• Define the measurement framework for each test, identifying the appropriate primary and guardrail metrics
• Synthesize test results into clear, defensible recommendations and present findings to senior leadership and cross-functional partners 

Portfolio Performance Monitoring & Analytics 

• Own ongoing monitoring of portfolio health across a comprehensive suite of KPIs, including delinquency rates, roll rates, early buyout rates, loss curves, and terminal outcomes by cohort, vintage, vertical, and channel
• Build and maintain analytical frameworks that allow the team to quickly surface emerging portfolio trends and distinguish signal from noise
• Identify risk concentrations, underperforming segments, and policy gaps, and drive timely remediation through credit policy adjustments 

Portfolio Forecasting 

• Lead portfolio forecasting using a combination of horizontal and vertical performance metrics to produce reliable point-in-time portfolio performance projections
• Partner with FP&A and Capital Markets to ensure credit forecasts are integrated into financial planning, capital allocation, and investor reporting processes
• Develop scenario analysis and stress-testing capabilities to assess the portfolio's sensitivity to macroeconomic changes, product mix shifts, and channel growth assumptions 

Valuations Framework & Unit Economics 

• Design and own a valuations framework and model that enables analysts on the team to rapidly and reliably model the unit economics impact of changes to credit