Head of Credit Strategy & Risk

Finstro; Denver (CO); On-site; USD 95,000 - 135,000; Full time

Job summary

Finstro is seeking a Credit Manager to safeguard the company’s financial health by leading credit policy development and the decisioning framework. You will work cross-functionally with Sales and Risk to onboard clients, extend credit where appropriate, and maintain robust risk controls.

You will design scoring models, implement pricing strategies based on risk, and supervise a team of analysts. The role emphasizes timely, well-documented decisions and strong stakeholder communication across the

Qualifications

• Minimum 5–7 years’ experience in credit risk, lending, or financial services.
• Proven experience in a credit decisioning or credit underwriting environment.
• Demonstrated leadership experience mentoring credit analysts or similar teams.
• Strong understanding of credit risk principles, financial analysis, and lending frameworks.
• Experience with credit policies, scoring models, and risk-based pricing concepts.
• Excellent written and verbal communication skills with strong stakeholder engagement.
• Experience in SME lending, fintech, or non-bank lending environments.
• Exposure to portfolio analytics, credit strategy, or risk modelling.
• Experience working closely with Sales teams in structuring and approving complex deals.
• Familiarity with regulatory credit frameworks relevant to lending jurisdictions.

Responsibilities

• Lead the development, implementation, and ongoing enhancement of credit policies and procedures.
• Design and optimise credit decisioning frameworks, including credit scoring models and risk-based pricing strategies.
• Conduct regular reviews of credit policies and frameworks, updating them in response to market conditions and regulatory changes.
• Oversee and assess high-value credit applications, evaluating financial information and risk indicators.
• Ensure credit decisions are timely, consistent, and well-documented within delegated authority.
• Balance growth objectives with prudent risk management in decisioning.
• Communicate decisions clearly to internal stakeholders and clients with strong customer service.
• Deliver timely reporting on credit performance, including portfolio composition and key risk metrics.
• Provide actionable insights on loan book performance and segmentation for strategy.
• Partner with Sales, Risk, and other units to align credit strategy with business objectives.
• Promote consistent application of credit policies through clear guidance.

Skills

Credit risk

Credit underwriting

Financial analysis

Lending knowledge

Stakeholder management

Regulatory knowledge

Job description

Finstro is seeking a Credit Manager to safeguard the company’s financial health by leading credit policy development and the decisioning framework. You will work cross-functionally with Sales and Risk to onboard clients, extend credit where appropriate, and maintain robust risk controls.

You will design scoring models, implement pricing strategies based on risk, and supervise a team of analysts. The role emphasizes timely, well-documented decisions and strong stakeholder communication across the