Credit Risk Leader

Wayoh; United States; Remote; USD 200,000 - 240,000; Full time

Job summary

Wayoh, a growing Fintech company, is seeking a Credit Risk Leader to own credit strategy and risk modeling in a role critical for profitability and growth. This position entails collaboration with senior leadership and cross-functional teams to drive credit policy improvements and automate processes.

Benefits

Stock options

Qualifications

• 7+ years of experience in credit policies for SMBs strongly preferred.
• Experience with fintech and traditional credit practices preferred.
• Ability to work cross-functionally tying credit strategy to business outcomes.

Responsibilities

• Own and evolve credit policy and risk strategy across the business.
• Build and improve credit models in partnership with data team.
• Automate underwriting processes and introduce scalable frameworks.

Skills

Strategic leadership

Analytical skills

Financial literacy

Education

Bachelor's or higher degree

Tools

SQL

Job description

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This range is provided by Wayoh. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$200,000.00/yr - $240,000.00/yr

Additional compensation types

Stock options

Direct message the job poster from Wayoh

Institution: Fintech

Role: Credit Risk Leader (Head of Credit & Risk)

Location: REMOTE (US or Canada)

Our client, a well funded and growing Fintech is hiring a new Credit Risk Leader.

Their platform offers an all-in-one corporate credit card and financial management solution for businesses, providing features like high-limit, no-fee business credit cards (physical and virtual), expense automation, and real-time spend controls. The platform supports multi-currency banking and international payments with competitive exchange rates, and allows businesses to access up to $1 million in growth capital with transparent terms. Keep also integrates seamlessly with accounting tools like QuickBooks, helping companies automate expense tracking and close their books faster!

This Credit Risk Lead will function as the Head of Credit and Risk, owning the entire credit strategy, underwriting policy, and risk modeling processes.

This individual will join the senior leadership team and collaborate cross-functionally with product, engineering, sales, data, and compliance teams. The role will blend strategic thinking with hands-on analytics, and the leader will be responsible for both setting the roadmap and executing improvements in automation and credit modeling as the business continues to grow. The company is preparing for rapid growth and is focused on improving its risk management processes to achieve profitability, making this role highly impactful to both top-line and bottom-line performance.

Responsibilities:

• Own and evolve credit policy and risk strategy across the business
• Build and improve credit models, currently handled manually, in partnership with the data team
• Automate underwriting processes and introduce scalable frameworks
• Collaborate deeply with stakeholders across product, sales, finance, compliance, and engineering
• Directly manage the credit and risk compliance leads and indirectly influence two 10–12 person teams
• Drive proactive risk identification and management as the business scales

Requirements:

• Bachelor's or higher degree.
• 7+ years of experience building or evolving credit policies for SMBs is strongly preferred
• Fintech experience and familiarity with the nuances between tech and traditional credit practices is strongly preferred
• Experience owning the credit strategy from end-to-end, making iterative improvements based on data and business needs.
• Ability to work cross-functionally and tie credit strategy to broader business outcomes
• Financial literacy and understanding of key metrics (e.g., underwriting metrics, revenue impact)
• SQL experience is a plus but not required
• Strategic leadership capabilities and strong analytical skills

Seniority level

• Seniority level

  Director

Employment type

• Employment type

  Full-time

Job function

• Job function

  General Business

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