Director, Risk

Accountabilities • Build and maintain the enterprise risk tolerance framework, including delinquency guardrails, fraud targets, escalation thresholds, and related monitoring practices.

• Establish second-line risk governance and define when Risk approval is required for credit policy changes, fraud controls, product features, and other risk-sensitive decisions.

• Establish and lead the Risk Committee, including meeting cadence, reporting materials, escalation processes, and executive communication.

• Lead and develop the Senior Managers responsible for Fraud Operations and Credit, strengthening operational capabilities and analytical rigor.

• Partner with Product and Engineering teams to translate risk policies into product logic, application-stage controls, automated decisioning, and other embedded safeguards.

• Work closely with Sales to manage risk appetite and establish practical guardrails that support commercial objectives while maintaining defined risk standards.

• Partner with Legal and Compliance on regulatory requirements, including BSA/AML, UDAAP, and card-issuing compliance.

• Develop risk reporting infrastructure and provide regular analysis of delinquency and fraud performance against established targets.

• Translate operational and financial risk indicators into clear P&L, executive, and board-level insights.

• Identify emerging risks, establish appropriate escalation mechanisms, and ensure leadership has clear visibility into material exposures.

Requirements

• 8–10+ years of professional experience in risk management, with substantial credit experience and ideally combined credit and fraud expertise.

• 3+ years of experience leading teams, with a demonstrated ability to build capabilities and establish effective risk functions.

• Experience balancing rigorous risk management with business growth, including examples of establishing guardrails while enabling commercial and product objectives.

• Direct experience partnering with Product and Engineering teams to translate risk policies into product requirements, controls, automation, and technology-enabled processes.

• Strong cross-functional influence and stakeholder management skills, particularly when navigating risk appetite discussions with Sales and Product teams.

• Working knowledge of BSA/AML, UDAAP, and card-issuing regulatory requirements.

• Experience in fintech, card issuing, or lending environments is required.

• Excellent executive communication skills, with the ability to translate complex risk indicators into precise business and financial insights.

• Strong analytical, strategic, decision-making, and problem-solving capabilities.

• FRM, CPA, or CFE certification is a plus.

Benefits

• Base salary range of $171,000–$202,000 USD , depending on experience, expertise, and location.

• Equity provided to all employees.

• Annual bonus eligibility may apply depending on the role.

• Remote or hybrid-hub working arrangements, depending on role and location.

• Comprehensive benefits and additional perks, with offerings varying by employment type and location.

• Opportunities to work in a fast-paced, high-growth environment with significant ownership and cross-functional exposure.

• Additional benefits and company perks are available through the employer’s broader benefits program.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best! Why Apply Through Jobgether?

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

#LI-CL1