Head of Credit Risk – Cards

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/ $365091 - $486788 annum

INFO

Salary

SALARY:

$365091 - $486788

Location

LOCATION

Job Type
JOB TYPE

Permanent

Head of Credit Risk

DMV Area - Virginia

Up to $400,000 + equity

A high-growth fintech lender is seeking an experienced credit leader to help scale and optimise an international credit card business.

This is a rare opportunity to join a well-funded and profitable, entrepreneurial environment where you'll have significant influence over portfolio strategy, growth, risk management and future market expansion.

Reporting into a senior executive leadership team, you'll own credit performance across multiple markets, leading strategy across teh customer lifecycle while helping shape the next phase of growth.

You'll combine strategic thinking with a willingness to roll your sleeves up. This is not a large corporate environment. We are looking for someone who enjoys building, testing, refining and executing.

What you'll be doing

  • Owning end-to-end credit strategy across multiple growth stage card portfolios
  • Leading portfolio growth whilst maintaining strong risk discipline
  • Developing acquisition, underwriting, line management and portfolio optimisation strategies
  • Using data and analytics to identify growth opportunities and improve performance
  • Partnering closely with product, data science, marketing, finance and operations teams
  • Supporting capital and funding discussions through strong understanding of portfolio performance and asset quality
  • Growing and developing a high-performing credit team
  • Contributing directly to analysis, modelling and strategy development

What we're looking for

  • Significant experience within credit cards is essential
  • Deep expertise across the customer and credit lifecycle
  • Strong understanding of credit risk, portfolio management and lending economics
  • Experience scaling or building credit businesses in growth environments
  • Ability to combine strategic leadership with hands-on execution
  • Strong analytical and coding capability
  • Experience operating within fintech, challenger banks or high-growth lending businesses preferred
  • International market experience is highly desirable

Why consider it?

  • Genuine opportunity to influence company strategy
  • Highly visible leadership position
  • Strong growth trajectory and significant investment behind the business
  • Entrepreneurial culture with minimal bureaucracy
  • Attractive compensation package including meaningful equity participation

CONTACT

Conor Larkin

Associate Vice President

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