About the role
VP Credit Risk Analytics & Data Science Build the Future of SMB Lending Remote USI'm working with a fast-growing fintech lender that has already built strong foundations across credit, analytics, and portfolio management. The next chapter is different. The business is investing heavily in ML-driven decisioning, cashflow underwriting, portfolio intelligence, and automated credit strategies. They are looking for a senior leader to help shape that future. This isn't a maintenance role. It's a role for someone who wants drive innovation and impact across how underwriting, monitoring, pricing, and growth decisions are made over the next several years. What You'll Own Credit strategy across the customer lifecycle Portfolio monitoring and performance optimisationML-driven underwriting and decisioning initiatives Credit policy evolution and experimentation Growth vs risk trade-offs Leadership of Credit Analytics and Data Science capabilities Cross-functional partnership with Product, Engineering, and Executive Leadership What Makes This Different?✅ Significant executive visibility✅ High growth environment✅ Ability to influence company strategy✅ Strong appetite for innovation✅ Large investments already made in cashflow data, analytics, and ML✅ Opportunity to build rather than maintain Ideal Background We're open on title and sector, but successful candidates will typically come from: SMB Lending Fintech Lending Embedded Finance Alternative Credit Credit Cards Revenue-Based Finance Cashflow Underwriting Experience with the following is required: Sub-Prime Credit StrategyML Driven Decision Science Portfolio AnalyticsML-Driven Underwriting Alternative Data Cashflow / Transaction Data Automated Decisioning The Person You don't need to be a hands-on data scientist today. You do need to be comfortable leading in a model-driven environment, challenging methodologies, with knowledge of how models are built, and translating analytics into business outcomes. This role would suit someone who enjoys asking:"What should we build next?"rather than"How do we run what already exists?"📍 US-Based | On-site / HybridDM me for more information.
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