Senior Credit Risk Solutions SME

5-8 years of hands-on experience in credit risk, underwriting, or lending operations Direct experience implementing or managing credit decisioning systems Background working with credit bureaus, scorecards, and policy rules Experience in fintech, digital lending, or credit technology preferred Track record of successful customer implementations or consulting Strong understanding of credit decisioning workflows and underwriting logic Experience with credit data sources (bureaus, bank data, alternative data) Proficiency in data analysis and basic SQL for credit portfolio analysis Familiarity with credit regulations and fair lending requirements Understanding of credit scoring models and risk segmentation Knowledge of API integrations and data mapping Deep knowledge of consumer and/or SMB lending products Understanding of credit metrics (approval rates, default rates, vintage analysis) Familiarity with modern underwriting approaches (cash flow, BNPL, thin-file) Knowledge of regulatory requirements across different states/regions Experience with multiple lending verticals is a plus Experience with credit platforms (Provenir, GDS Link, Zest AI) preferred Background in specific verticals (embedded lending, neobanks, BNPL) preferred Basic Python/R for credit analysis preferred Experience building ML models in credit decisioning preferred Relevant certifications or advanced degree in finance/risk preferred

Build end-to-end credit decisioning workflows using Oscilar's platform for various lending products Configure credit scorecards, policy rules, and decision strategies for customer implementations Design integrations with credit bureaus, bank data providers, and alternative data sources Create reusable templates for common credit use cases Test and validate credit workflows ensuring accuracy and compliance Document credit solutions and create implementation guides Work hands-on with customers to implement credit decisioning strategies Configure AI models for income verification, affordability assessment, and risk scoring Troubleshoot credit workflow issues and optimize performance Collaborate with engineering on credit-specific feature requirements Ensure implementations meet regulatory requirements (FCRA, ECOA) Support POCs and pilot programs with prospective customers Serve as credit expert during customer onboarding and implementation Conduct training sessions on credit best practices and platform capabilities Advise customers on optimizing approval rates while managing risk Participate in pre-sales discussions as the credit domain expert Create knowledge base articles and credit strategy guides Gather customer feedback to inform product roadmap