Head of Credit & Fraud (Fully Remote)

Happy Money; United States; Remote; USD 180,000 - 280,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401k matching

12 weeks parental leave

Disability and life insurance

Monthly tech stipend

Fully distributed remote work

Job summary

Happy Money is seeking a Head of Credit & Fraud to own credit and fraud risk strategy for our lending business. You will lead the team, set policy, and partner with executives and capital partners.

Reporting to the Chief Risk & Analytics Officer, you will balance growth and losses, drive test-and-learn initiatives, and scale strategies across the customer lifecycle for a distributed remote workforce.

Qualifications

• 12+ years in financial services with 8+ years of credit risk experience, including direct ownership of consumer lending strategy.
• Strong executive presence with experience presenting data-driven decisions to C-suite executives, boards, and external partners.
• Deep understanding of consumer lending regulation, including fair lending, FCRA, and model risk management.

Responsibilities

• Own credit and fraud strategy across the customer lifecycle, from acquisition and underwriting through account management.
• Balance growth and losses to maximize risk-adjusted returns, and lead a disciplined test-and-learn agenda.
• Recruit, develop, and lead a high-performing team, and partner across the organization to scale credit and fraud strategies.

Skills

Credit risk

Leadership

Executive communication

Data-driven decisions

Job description

• Happy Money is looking for a Head of Credit & Fraud to own credit and fraud risk strategy for our lending business.
• Reporting to the Chief Risk & Analytics Officer, you will set credit and fraud policy, lead the team, and be the senior credit voice with executives and capital partners.

Responsibilities:

• Own credit and fraud strategy across the customer lifecycle, from acquisition and underwriting through account management.
• Balance growth and losses to maximize risk-adjusted returns, and lead a disciplined test-and-learn agenda.
• Recruit, develop, and lead a high-performing team, and partner across the organization to scale credit and fraud strategies.

Qualifications:

• 12+ years in financial services with 8+ years of credit risk experience, including direct ownership of consumer lending strategy.
• Strong executive presence with experience presenting data-driven decisions to C-suite executives, boards, and external partners.
• Deep understanding of consumer lending regulation, including fair lending, FCRA, and model risk management.
• Generous medical, dental, and vision insurance options, plus 401k matching.
• 12 weeks paid parental leave, generous PTO, and company-paid disability and life insurance.
• Monthly tech stipend and a fully distributed remote work environment.

Happy Money

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions. With more than $6.5 billion in loans originated and a 100% fully distributed remote team, Happy Money brings together purpose-driven professionals focused on making a real impact.