10+ years of experience in Banking and/or Fintech with deep focus on underwriting, credit risk management, credit
model development, and credit policy design
At least 3+ years of senior leadership experience
Proven experience designing and implementing data-driven, highly automated, scalable underwriting and credit
decisioning platforms
Strong background in consumer lending and small business equipment lending, including at least 2 years in Sub
Prime credit
Expertise in evaluating individual loans and business loans, incorporating FICO scores and debt ratios into
underwriting decisions
Experience developing, writing, and managing credit policies, and partnering with legal teams on regulatory and
documentation frameworks
Demonstrated ability to lead cross-functional teams and manage third-party vendor relationships
Hands-on leadership style with strong attention to detail and execution discipline
Able to commute to Woodbridge, NJ 3x per week (Tues-Thurs)
Bachelor’s or Master’s degree in Business, Finance, or a quantitative field
Plusses
Experience managing both Prime and Sub-Prime loan portfolios in the U.S.
Background in delinquency management, collections strategies, and loss mitigation
Strong ability to communicate complex credit concepts to technical and non-technical stakeholders
Experience working with credit bureaus, loan processors, and collections agencies
Familiarity with ML-driven underwriting models and emerging trends in credit risk
Experience evaluating individual loans and business loans, incorporating FICO scores into underwriting decisions
Day to Day
A fintech company is seeking a VP of Underwriting and Credit to join the risk team. In this role, you will oversee the end
to-end credit lifecycle, including individual loans and business loans, ensuring underwriting, pricing, and portfolio
management strategies are aligned with business growth and risk objectives. You will incorporate FICO scores, debt
ratios, and other borrower metrics into credit decisions, partner closely with the CRO and senior leadership to support
financing partners, portfolio reporting, and new product launches. Using data and analytics, you will continuously refine
underwriting models, approval strategies, and pricing methodologies to optimize performance and returns. You will
monitor portfolio trends, credit metrics, and emerging risk signals to proactively manage losses. You will lead and mentor
a high-performing credit and risk team while maintaining strong governance, compliance, and internal controls.
Key Responsibilities
Establish and manage underwriting, credit risk management, and portfolio management functions across consumer
and small business lending, including individual loans and business loans
Design, implement, and test automated underwriting models, analytics, and loan decisioning processes within
digital lending platforms
Develop, maintain, write, and manage credit policies, underwriting standards, and governance frameworks,
including FICO score thresholds and debt ratio limits
Implement risk-based pricing strategies, loan-loss models, and portfolio-level analytics to optimize risk-adjusted
returns
Monitor and report on portfolio performance, including approval rates, delinquency, losses, FICO score
distributions, and pricing effectiveness
Collaborate with the CRO and Senior Management to develop and execute credit strategy, growth initiatives, and
new product launches
Support financing partner relationships through portfolio performance reporting and credit risk insights
Partner with legal counsel to identify regulatory and legal risks and ensure compliant credit documentation
Manage relationships with third-party vendors, including credit bureaus, loan processors, analytics providers, and
collections agencies.
