View on Remote OK
Roles
Compensation
USD 100000 - 110000
100000 - 110000
- Salary period
- yearly
- Location basis
- New York City
- Equity
- Meaningful stake in the company via equity.
Benefits
- Comprehensive medical, dental, and vision benefits
- Up to $25,000 toward closing costs of a new mortgage via mortgage partners
- Flexible paid time off, sick days, and 11 company holidays
- Quarterly budgets for team and company outings (team swag, cooking classes, or team dinners)
- Company-wide orientation and learning & development opportunities with regular review cycles featuring 360 degree feedback
- Meaningful stake in the company via equity
Tech stack
Required
Location
New York City
Work setup
- Employment
- full-time
- Level
- Senior
- Remote policy
- Remote OK / Work arrangement: Remote.
- Remote scope
- unclear
Role details
Responsibilities
- Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth
- Deploy test and learn mechanisms and own implementation of credit strategies in the risk decision engine
- Develop, refine, and monitor credit policies and customer segmentation strategies
- Design pricing and credit limit frameworks to maximize risk-adjusted returns
- Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.)
- Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs
- Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability
- Develop data-driven, customer-focused collections strategies to reduce delinquencies and charge-offs
- Conduct manual reviews (underwriting, limit increases etc.), document exceptions
- Handle credit bureau disputes and set up payment plans
Requirements
- 2+ years of experience in consumer lending or credit risk in fintech environments
- Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections
- Hands-on experience with credit risk models and credit bureau data (traditional and alternative)
- Strong technical acumen: pull data, analyze, create KPIs, create reporting tools
- Python knowledge (SQL knowledge a plus)
- Ability to synthesize complex data into clear strategies and communicate to technical and non-technical stakeholders
Application
Please mention the word PEACEABLE and tag RMTM4LjIwMS4xMjYuMTgx when applying to show you read the job post completely (#RMTM4LjIwMS4xMjYuMTgx). This is a beta feature to avoid spam applicants. Companies can search these words to find applicants that read this and see they're human. Throughout the interview process, emails will only be from madecard.com emails and they won't ask for personally identifiable information.
- Portfolio
- not required
- GitHub
- not required
- Cover letter
- unclear
- Apply flow
- unclear
Company context
Help homeowners save time, money, and stress.
- Product
- Credit card designed for homeowners with rewards and home management platform
- Industry
- Fintech
- Funding
- Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital.
Contact
talent@madecard.com
Description
About the CompanyMade’s mission is to help homeowners save time, money, and stress. It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home. We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners. Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley. About the RoleThe Director of Credit Risk will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle. You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio. This role also owns the development and tracking of credit models and will lead Made Card’s Decision Science practice.
Similar jobs
-
Loading similar jobs...