Head of Credit Risk

The Head of Credit Risk leads Wisetack’s Credit Risk, Fraud Mitigation, and Credit Operations efforts, and works cross-functionally with the Product, Engineering, Finance, Analytics, Capital Markets, Marketing, and Operations teams.  The role requires extensive use of data analytics to derive insights critical to evolving our fraud mitigation and credit underwriting practices. The role also has a focus on process automation, aiming to automate operational tasks whenever feasible.

Additionally, this role is responsible for maintaining Wisetack’s relationships with several external parties, including our loan servicer, and a number of capital partners (issuing bank partners, loan investors, etc.), providing data / exhibits / insights on a number of credit-centric topics.

• Lead our Credit Analytics, Fraud Mitigation, and Credit Operations functions
• Perform hands-on data analyses to optimize our credit and pricing strategies to maximize enterprise value, merchant engagement, and borrower satisfaction
• Partner with our Data Science team to create / evolve our internal risk model
• Evolve our Borrower and Merchant fraud mitigation tactics, working closely with the Fraud Research team
• Enhance the loan portfolio’s credit reporting framework to meet the needs of various internal and external stakeholders
• Assist in exploring new verticals and creating new financial products
• Monitor portfolio and macroeconomic trends impacting loan performance, amending our underwriting and / or marketing strategies when practical

• Strong understanding of risk management, credit analysis, and credit policies
• Considerable fluency with SQL and hands-on experience working with large datasets; familiarity with Python a plus
• Self-starter with strong sense of urgency, high accountability and excellent attention to detail with the capability to thrive in a fast-paced environment
• Robust data visualization skills, with the tendency to create clear, concise exhibits
• Ability to collaborate and influence across multiple organizational levels
• Effective communication skills, with the ability to communicate findings to both technical and non-technical audiences
• 10+ years’ experience in a Credit Risk role or similar

• Startup and / or Fintech experience