Credit Underwriting & Automation Lead

Openkrill; United States; Hybrid; USD 151,000 - 178,000; Full time

Benefits offered by this job

Equity

Hybrid or remote work

Bonus opportunities

Job summary

Engine X is rapidly growing its credit function, owning underwriting standards, backtesting, and portfolio analytics for its corporate card. You will drive automation, partner with Data Science, and lead a team to improve decisioning quality while managing risk in a fast-paced fintech environment.

The role emphasizes designing operating models, implementing signals and policies, and delivering clear executive updates.

Qualifications

• 8+ years of credit underwriting or credit risk experience.
• 3+ years of experience leading a credit team with a proven track record of designing operating models.
• Commercial credit expertise in setting limits and interpreting financial signals.

Responsibilities

• Hold the credit team accountable to the underwriting standard and ensure consistency and rigor.
• Write and own the credit underwriting standard, signals, triggers, and escalation paths.
• Build backtest infrastructure and run rule changes against historical data with false positive analysis.
• Partner with Data Science on credit model inputs, validation, and automation transition.
• Lead and develop the credit team and build analytical capability.
• Deliver portfolio analytics to leadership on delinquency, cohort performance, and utilization.
• Coordinate with Fraud Operations on application fraud signals.
• Collaborate with senior leadership on credit policy governance.

Skills

Credit underwriting

Credit risk management

Leadership

Automation mindset

Portfolio analytics

Tools

SQL

Snowflake

Job description

Engine X is rapidly growing its credit function, owning underwriting standards, backtesting, and portfolio analytics for its corporate card. You will drive automation, partner with Data Science, and lead a team to improve decisioning quality while managing risk in a fast-paced fintech environment.

The role emphasizes designing operating models, implementing signals and policies, and delivering clear executive updates.