AVP - Credit Risk Policy

We are seeking an experienced AVP - Credit Risk Policy to lead the end-to-end credit strategy for our subprime line of credit and instalment loan portfolios. In this high-visibility role, you will balance portfolio growth with risk mitigation, drive unit economics, and serve as the connective tissue between Data Science, Product, Engineering, and Executive Leadership. You will not only build robust credit strategies but also build and mentor a high-performing team of risk analysts.

Key Responsibilities

Credit Policy & Strategy Formulation

• Origination Strategy: Design, implement, and optimize origination credit policies for subprime line of credit and instalment loan products, ensuring a balance between approval rates and acceptable risk tolerances.
• Lifecycle Management: Lead the credit line management strategy, owning proactive and reactive line increases (CLI) and decreases (CLD) to maximize customer lifetime value while controlling exposure.
• Financial Forecasting: Lead advanced financial modeling and forecasting efforts, including Net Charge-Offs (NCO), Net Revenue, and Net Present Value (NPV) calculations at the vintage and segment levels.
  
  

• Portfolio Health: Establish rigorous portfolio monitoring routines. Track early-stage delinquency, vintage performance, and unit economics to proactively identify and address emerging risk trends.
• Data Science Partnership: Collaborate tightly with the Data Science team to define requirements for origination and behavioral scorecards. Provide business oversight on model development, validation, implementation, and ongoing performance monitoring.
• Executive Support: Act as a key strategic partner to the VP of Risk, leveraging deep analytical capabilities to provide rapid, data-driven insights for unstructured, ad-hoc requests from the executive team.
  
  

• Strategy Deployment: Work cross-functionally with Product and Engineering teams to translate complex credit policies into clear business requirements, ensuring seamless and accurate deployment of decisioning rules into the production environment.
• Team Building: Mentor, develop, and upskill junior analysts, fostering a culture of rigorous analytics and commercial awareness. Play a lead role in recruiting and retaining top talent for the risk organization.