Director Credit Risk Analytics & Capital Markets

Achieve

Director Credit Risk Analytics & Capital Markets

Posted 6 Hours Ago

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San Mateo CA USA

Hybrid

240K-270K 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 development of credit risk analytics and AI-driven underwriting to improve portfolio performance and investor communications. Partner with Capital Markets Finance and Credit Modeling to support securitizations warehouse facilities and structured finance. Build reporting drive automation integrate alternative data and pilot AI tools to enhance risk identification underwriting efficiency and risk-adjusted returns.

Summary Generated by Built In

Job Description
We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors turning complex risk models and portfolio performance into a clear compelling growth narrative for the investment community. This leader will drive strategic initiatives that enhance risk-adjusted returns improve underwriting efficiency strengthen investor confidence and support scalable growth.
This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills.
What you'll do:
Credit Analytics & Portfolio Risk Management

Develop and enhance analytical frameworks to assess portfolio credit quality monitor portfolio performance and surface emerging credit trends.
Partner with Capital Markets Finance and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin.
Track macroeconomic industry and market developments and assess their potential impact on portfolio performance and credit risk.
Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development validation and enhancement efforts.

AI-Driven Credit Underwriting Strategy

Lead the exploration and practical development of Credit Risk's AI and advanced analytics strategy to strengthen underwriting risk assessment and portfolio management capabilities.
Identify evaluate and integrate alternative internal and external data sources to enhance borrower assessment risk identification and predictive model performance.
Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows enhance signal detection and improve speed-to-insight and execution.
Drive automation of underwriting processes to improve decision speed consistency operational efficiency and scalability.

Capital Markets Support

Partner with Capital Markets and Finance teams to support securitizations warehouse facilities whole-loan sales and other structured finance transactions.
Translate credit forecasts portfolio performance and strategic initiatives into clear investor-focused narratives and capital markets communications.
Design and maintain a suite of BAU reporting and analytics to support investor relations transaction execution and ongoing capital markets activities.
Own Credit Enhancement projections in partnership with the Loss Forecasting team proactively identifying risks opportunities and key drivers impacting Credit Enhancement liability.

Qualifications
What you'll bring:

8+ years of experience in credit risk analytics credit strategies or quantitative risk management or related financial services disciplines.
5+ years of leadership experience managing analytics data science or credit risk functions.
Strong knowledge of consumer lending (Personal loans HELOC)
Proven track record leading strategic transformation initiatives and cross-functional programs.
Advanced analytical skills (SQL Python or similar).
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 supporting Capital Markets function at a fintech.
Demonstrated experience deploying AI/ML solutions in lending underwriting or risk management environments.
Strong knowledge of Debt Settlement business.

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: $240000 - $270000 + 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 credit risk analytics credit strategies or quantitative risk management
5+ years of leadership experience managing analytics data science or credit risk functions
Strong knowledge of consumer lending (Personal loans HELOC)
Advanced analytical skills (SQL Python or similar)
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 supporting Capital Markets function at a fintech
Demonstrated experience deploying AI/ML solutions in lending underwriting or risk management environments
Strong knowledge of Debt Settlement business

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.