VP Credit Risk and Data Science

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New York / $200000 - $300000 annum

INFO

Salary

SALARY:

$200000 - $300000

Location

LOCATION

New York

Job Type
JOB TYPE

Permanent

VP Credit Risk - Data Science, Analytics & Strategy

Remote within US

No visa sponsorship

Up to $250,000 + Bonus

A fast‑growing SMB finance business is hiring a senior credit leader to help take an already‑strong credit operating system into its next phase.

The foundations are in place:

solid underwriting, established portfolio monitoring, deployed controls, and proven growth. The focus now is speed, automation, and intelligence - scaling ML‑driven decisioning so portfolio insights translate directly into automated offers, pricing, and limit actions across the credit funnel.

This role is designed to add deep external ML and analytics firepower to the organisation - not just to refine rules, but to help push credit strategy into the future and spearhead credit analytics for the organisation.

What you'll be responsible for

  • Owning credit policy and analytics across origination, portfolio monitoring, and customer management.
  • Leading the next generation of ML‑driven credit models, including portfolio‑level modelling, monitoring, drift detection, and retraining strategy.
  • Helping transition credit decisions toward increasingly automated offers and funnels, without sacrificing risk discipline.
  • Translating portfolio signals into clear policy, pricing, and growth actions at speed.
  • Partnering closely with Product, Engineering, and Operations to productionise analytics into decision engines.
  • Acting as a visible senior leader and external benchmark for the credit and analytics team to aspire to.

What they're looking for

  • 8-12+ years in credit, decision science, analytics, or risk within fintech, SMB lending, cards, or adjacent data‑intensive environments.
  • Very strong ML and analytics fundamentals, especially applied to portfolio‑level decisioning.
  • Experience working in businesses where data and models directly drive live credit decisions.
  • Comfortable moving beyond rule‑based credit toward more automated, model‑driven strategies.
  • SMB experience preferred, but equally valuable is proven work in messy, real‑world credit environments.
  • A leader who can both raise the technical bar and inspire the next layer of talent.

Why this role is interesting

  • Credit and analytics fundamentals are already strong - this is about propelling the system forward, not rebuilding it.
  • Significant scope to shape how ML is embedded into credit strategy over the next few years.
  • High visibility role with real influence over product direction and growth.
  • Opportunity to be the external reference point in a scaling credit organisation.

CONTACT

Conor Larkin

Associate Vice President

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