Director, Risk & Growth Enablement

Engine; California City (CA); Hybrid; USD 171,000 - 202,000; Full time

Benefits offered by this job

Hybrid‑hub model

Equity

Bonus opportunities

Job summary

Engine is building its Risk function and seeks a Director, Risk to define the risk framework for Engine X, govern first-line and second-line operations, and partner with Sales, Product, and Legal. The role focuses on balancing growth with risk controls and translating complex risk data into actionable business insights.

You will lead risk policy integration, provide executive-level communications, and build quarterly delinquency and fraud reporting. Fintech/card issuing context is preferred.

Qualifications

• 8-10+ years in risk (credit a must, ideally credit & fraud)
• Direct Product/Engineering partnership experience
• Strong cross-functional influence with Sales and Product
• Regulatory familiarity: BSA/AML, UDAAP, card issuing compliance
• Strong executive communication: translate risk signals to business language
• Fintech, card issuing, or lending environment experience is required

Responsibilities

• Build and own Engine's risk tolerance framework and guardrails
• Establish second-line governance and sign-off processes
• Stand up and run the Risk Committee and reporting cadence
• Govern first-line operations and develop their capabilities
• Partner with Product and Engineering to embed risk in product logic
• Own risk appetite conversations with Sales without blocking growth
• Collaborate with Legal/Compliance on regulatory obligations
• Translate risk signals into P&L language for leadership
• Build risk reporting infrastructure and KPI dashboards

Skills

Risk management

Credit risk

Fraud risk

Product/Engineering partner

Executive communication

Cross-functional influence

Regulatory familiarity

Fintech experience

Education

FRM (Financial Risk Manager)

CPA or CFE (Certified Fraud Examiner)

Job description

Engine is building its Risk function and seeks a Director, Risk to define the risk framework for Engine X, govern first-line and second-line operations, and partner with Sales, Product, and Legal. The role focuses on balancing growth with risk controls and translating complex risk data into actionable business insights.

You will lead risk policy integration, provide executive-level communications, and build quarterly delinquency and fraud reporting. Fintech/card issuing context is preferred.