Director, Credit Decisioning Platforms & Automation

Jobtailor

Illinois

On-site

USD 140,000 - 190,000

Full time

9 days ago

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Job summary

Jobtailor is seeking a senior technical leader to own the strategic roadmap for credit technology and transformation initiatives in the US market. The role focuses on migrating workflows, designing rule-based decisioning, and leading end-to-end automation across consumer and dealer underwriting.

Strong collaboration with Risk, Analytics, IT, and product teams is essential for success. The position requires expert knowledge of credit decisioning platforms and data flows, plus hands-on experience

Qualifications

Bachelor's degree in Statistics, Mathematics, Computer Science, or STEM field, or commensurate work experience.
7 years of progressive experience in credit administration, lending ops or fintech risk platforms, automated underwriting, or credit decisioning platforms.
3 years of people management experience.
Hands-on experience implementing, configuring, and optimizing credit decisioning platforms such as Oscilar, Alloy, GDS Link, Zoot, or similar platforms.
Strong understanding of API integrations, system architecture, solution design, data mapping, data lineage, and upstream and downstream data flows.
Experience integrating credit decisioning platforms with credit bureaus, fraud and identity providers, income verification, pricing engines, underwriting systems, funding platforms, and other internal and external systems.
Experience partnering with IT and Engineering teams on technical requirements, architecture, product solutions, integrations, implementation, and production support.
Experience designing and implementing automated underwriting workflows for consumer and dealer underwriting, as well as funding and dealer support operations.
Familiarity with application monitoring and observability tools such as Datadog and troubleshooting production issues across APIs, integrations, data pipelines, and distributed systems.
Advanced Excel and SQL skills and familiarity with reporting tools such as Power BI and Sigma preferred.
Strong analytical, communication, leadership, and stakeholder management skills.

Responsibilities

Develop and execute the strategic and technical roadmap for credit technology and transformation initiatives.
Migrate credit workflows from legacy systems to automated decisioning platforms.
Translate credit policies into system-based rules, decision logic, workflows, queues, and automated processes.
Provide technical leadership for credit decisioning platforms, including configuration, workflow design, integrations, testing, deployment, and optimization.
Lead initiatives improving profitability, fraud prevention, operational efficiency, and decision quality.
Modernize credit infrastructure through automation, AI, advanced analytics, and process transformation.
Design and implement end-to-end workflows and queues for credit underwriting, funding, dealer underwriting, and dealer support operations.
Lead expansion of automated underwriting from consumer credit decisioning to dealer underwriting.
Partner with Risk, Analytics, Engineering, IT, Product, technology stakeholders, and third-party vendors.
Provide technical leadership for system architecture, solution design, APIs, system interfaces, data mapping, and data flows.
Manage UAT, deployment readiness, post-implementation monitoring, legacy system decommissioning, testing, and production releases.
Establish monitoring and observability using tools such as Datadog.
Monitor system performance, portfolio KPIs, policy compliance, and model outcomes; identify discrepancies and implement improvements.
Maintain system documentation, testing results, change management records, and governance of AI and decisioning models.
Lead modernization of Aqua Finance's credit decisioning platforms across consumer and dealer lending.