VP of Credit Risk

New

Canada, United StatesFull-TimeVp

Salary250,000 - 275,000 USD per year

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Job Details

Experience as a P&L owner at a consumer lending company managing loss, yield, and portfolio economics.
Proven track record building end-to-end unsecured consumer loan credit models.
Deep, hands-on credit underwriting experience with direct ownership of live underwriting decisions.
Experience managing analysts with a focus on talent development and team building.
Strong AI aptitude with practical experience using AI tools in credit or analytics workflows.
Deep fluency in credit risk concepts (underwriting policy, scoring, vintage analysis, loss forecasting).
Knowledge of consumer lending regulations including TILA, FCRA, ECOA, and UDAAP.
Deep fluency with major credit bureaus (Equifax, Experian, TransUnion) and alternative data sources.
Strong communication skills for presenting portfolio and analytics findings to non-technical stakeholders.
Experience in cross-functional partnership with Product, Engineering, or Operations teams.
Professional background from a best-in-class consumer lender or innovative fintech firm.

Serve as the GM for lending profitability, managing credit loss, yield, and portfolio unit economics.
Design and optimize underwriting policy layers, knock-out rules, and approval thresholds.
Define and improve underwriting criteria and decisioning logic to optimize risk-adjusted returns.
Lead collections strategy including segmentation, treatment paths, and recovery optimization.
Integrate alternative data such as bank-transaction and income verification to expand near-prime credit access.
Oversee portfolio performance management, including loss forecasting and early-warning indicators.
Partner with the SVP of Product to improve lending applications and borrower-facing apps.
Lead and develop a high-performing team while championing a culture of data-driven rigor.

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