Credit Risk Director

• Work in our 2nd line of defense credit risk management team
• Independently evaluate and challenge credit strategies, by understanding the impact of any change on profitability through advanced credit analytics
• Review the usage of advanced machine learning models developed by data scientists in credit decisions, in order to ensure profitable outcomes
• Ensure credit extension decisions align with Varo’s Risk Appetite Framework
• Manage Credit Key Risk Indicators; perform analysis to enhance and evolve credit KRIs, ensuring metrics align with Varo’s Business Objectives and Risk Appetite
• Build and maintain monitoring dashboards; perform portfolio analysis and generate actionable insights
• Spot emerging credit risks by developing and maintaining credit monitoring reports with a view on internal and external leading indicators
• Evaluate new alternative data and determine how best to utilize them
• Manage credit-related policies and ensure they are properly being applied in our lending products

• 6+ years of experience in consumer credit risk management or credit strategy, preferably at a fintech or major financial institution
• Deep understanding of the consumer credit lifecycle and how Credit Risk Management principles are applied in consumer lending
• Advanced expertise in data analysis and manipulation using SQL or Python
• Experience with advanced statistical techniques and a solid understanding of relational databases
• Excellent verbal and written communication skills with strong attention to detail
• Experience in using models (developed by data scientists) to improve business decisions
• Strong ability to independently identify and solve problems in a fast-paced environment
• Education: Bachelor's or Master's in a quantitative field like Computer Science, Economics, Math, Statistics, or Engineering
• Familiarity with business intelligence tools like Tableau or similar
• Experience with machine learning models in a credit risk context is a plus
• Experience at a high-growth fintech or tech startup is a plus

Pay range: $140K - $190K

• Bonus, equity, and competitive benefits.