Director Credit Policy & Underwriting Strategy

Achieve

Director Credit Policy & Underwriting Strategy

Posted 6 Hours Ago

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San Mateo CA USA

Hybrid

220K-250K Annually

Senior level

Fintech • Professional Services • Sales • Financial Services

We help people control expenses manage debt save money plan ahead and make better financial decisions.

The Role

Lead strategic oversight of credit policy and underwriting guidance for Achieve Home Loans. Translate credit strategy into actionable underwriting guidelines govern version control integrate strategy with underwriting operations support TPO channel credit policy and own real-time monitoring of TPO credit performance and remediation. Partner with stakeholders to optimize processes maintain credit boundaries and drive policy changes based on empirical performance analysis.

Summary Generated by Built In

Job Description
We are seeking a Director of Strategic Underwriting Guidance to provide dedicated strategic oversight of credit policy across Achieve Home Loans (AHL). The Director will drive process optimization quality control and robust credit boundaries across AHL; ensure credit strategy translates cleanly into actionable underwriting guidelines; integrate credit strategy with underwriting operations; support the new AHL Third-Party Origination (TPO) channel on credit policy; and own real-time monitoring of credit performance across the TPO channel.
This role is ideal for a hands-on mortgage and home-lending credit leader who can hold a clear objective view of credit risk while partnering closely with GMs capital markets and channel partners to execute it. They demonstrate a strong ability to lead sound credit policy change recommendations grounded in empirical analysis of credit performance data.
What you'll do:
Strategic Credit Policy & Underwriting Guidance

Partner with key stakeholders to manage the formulation of strategic credit policy for AHL maintaining objective and robust credit boundaries.
Translate credit strategy into clear actionable and consistently applied underwriting guidelines.
Maintain a single source of truth for underwriting guidelines including version control change governance and clear communication of updates.

Credit Strategy & Operations Integration

Serve as the bridge between credit strategy/modeling and underwriting operations ensuring strategy is operationally executable and that operational feedback informs strategy.
Partner with underwriting leadership to optimize processes reduce cycle time and improve decision consistency without weakening credit boundaries.

TPO Channel Credit Policy & Real-Time Monitoring

Support the AHL Third-Party Origination (TPO) channel on credit policy ensuring broker and correspondent partners operate within Achieve's credit boundaries.
Develop TPO-specific overlays guidance and communications and serve as the credit-policy point of contact for the channel.
Own real-time monitoring of TPO credit performance - early-payment default exception and overlay trends guideline adherence and fraud signals - and trigger timely well-reasoned policy responses.
Partner with TPO/wholesale leadership and channel counterparties to remediate performance issues and tighten or adjust policy where needed.

Qualifications
What you'll bring:

8+ years of experience in mortgage or home-lending credit underwriting or credit policy including authoring or owning underwriting guidelines.
5+ years of leadership experience across credit policy underwriting or quality control functions.
Deep knowledge of consumer mortgage / home equity products (e.g. HELOC home equity loans) and the underwriting lifecycle.
Proven track record leading strategic transformation initiatives and cross-functional programs.
Ability to translate complex analytical concepts into actionable business recommendations.
Strong analytical problem solving and communication skills.
Strategic thinker with strong business acumen and executive presence.
Strong stakeholder management skills across executive leadership investors regulators and external partners.

Preferred:

Experience standing up or separating a strategic credit-policy function from underwriting operations.
Hands-on experience with Third-Party Origination (TPO) / wholesale or correspondent channels and the credit risks specific to them.
Experience building real-time channel performance monitoring and early-warning frameworks.
Background in fintech home lending or a high-growth mortgage environment.

Additional Information
All your information will be kept confidential according to EEO guidelines.
Achieve well-being with:

401 (k) with employer match
Medical dental and vision with HSA and FSA options
Competitive vacation and sick time off as well as dedicated volunteer days
Access to wellness support through Employee Assistance Program physical and mental health wellness programs
Pet care discounts for your furry family members
Financial support in times of hardship with our Achieve Care Fund
A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo CA and Phoenix AZ metro market. In other locations throughout the country we offer work from home.
Salary Range: $220000 - $250000 + bonus + benefits.
This information represents the expected salary range for this role. Should we decide to make an offer for employment we'll consider your location experience and other job-related factors.
Join Achieve change the future.
At Achieve we're changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth you'll get to be a part of their journey to a better financial future. We're proud to have over 3000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona California and Texas. We are strategically growing our teams with more remote work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job-it's a place where you can make a true impact have a sense of belonging establish a fulfilling career and put your well-being first.
Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.
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Company Description
Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative personalized financial solutions. By leveraging proprietary data and analytics our solutions are tailored for each step of our member's financial journey to include personal loans home equity loans debt consolidation financial tools and education. Every day we get to help our members move their finances forward with care compassion and empathetic touch. We put people first and treat them like humans not account numbers.
Since 2002 Achieve has grown into one of the largest private consumer fintech unicorns in the U.S. with over $40B in enrollments for our industry-leading tech-enabled debt resolution services business and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

Skills Required

8+ years of experience in mortgage or home-lending credit underwriting or credit policy including authoring or owning underwriting guidelines
5+ years of leadership experience across credit policy underwriting or quality control functions
Deep knowledge of consumer mortgage and home equity products (HELOC home equity loans) and the underwriting lifecycle
Proven track record leading strategic transformation initiatives and cross-functional programs
Ability to translate complex analytical concepts into actionable business recommendations
Strong analytical problem solving and communication skills
Strategic thinker with strong business acumen and executive presence
Strong stakeholder management skills across executive leadership investors regulators and external partners
Experience standing up or separating a strategic credit-policy function from underwriting operations
Hands-on experience with Third-Party Origination (TPO) / wholesale or correspondent channels
Experience building real-time channel performance monitoring and early-warning frameworks
Background in fintech home lending or a high-growth mortgage environment

What the Team is Saying

Achieve Compensation & Benefits Highlights

Healthcare Strength—Multiple medical dental and vision plan options are offered with no‑cost mental‑health support via Talkspace and access to HSA/FSA. Coverage breadth across carriers in some regions and solid core insurance indicators point to strong healthcare support.
Retirement Support—A 401(k) with employer match is included complemented by life and disability insurance for broader financial protection. Eligibility timelines are clearly defined.
Leave & Time Off Breadth—Flexible vacation/PTO paid holidays sick leave paid volunteer time and hybrid/remote options provide wide‑ranging time‑off flexibility. Some roles also feature flexible time‑off programs.

Learn more about Achieve's Compensation & Benefits →

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The Company

HQ: San Mateo CA

2231 Employees

Year Founded: 2002

What We Do

Formally known as Freedom Financial Network Achieve launched in 2022 as the leading digital personal finance company helping everyday people get on and stay on the path to a better financial future. Achieve delivers personalized financial solutions for real people through intelligent technology and an empathetic human touch. From the single parent trying to buy a home to the overworked employee drowning in debt we provide innovative solutions budgeting tools and education to help them move from surviving to thriving. We put our members first by coaching them through their financial health journey to understand what’s working for them and what’s not. Our tailored approach is designed to meet everyone where they are in life because they’re more than just a credit score. Our people make the biggest difference. With more than 2200 teammates between California Arizona Florida and Texas everyone collaborates together to make an impact towards our mission; to empower everyday people to move forward on a path to a better financial future. We’re committed to fostering an environment where everyone can belong while giving their true authentic selves a place to shine. Whether you’re in sales member support engineering product design IT or any of our other exciting roles you’ll join a team passionate about serving our members and embracing our core values every day: Care (For everyone) Get Better (Every day) Act With Integrity (Every time) Collaborate (With everyone)

Why Work With Us

The technology we are building has real human impact to positively change the trajectory of millions of American families living with the crippling weight of consumer debt. Our growing teams are determined to get better every day through open collaboration and genuine family-like care for the whole person—engineers are never lost in the shuffle.