Senior Director, Decision Analytics — FinTech Risk

Payactiv; Milpitas (CA); On-site; USD 180,000 - 280,000; Full time

Benefits offered by this job

Health insurance

401K match

Tuition reimbursement

Unlimited PTO

Gym reimbursement

Volunteer time off

Paid family leave

Office lunches

Career growth

Job summary

Payactiv, a FinTech company in Silicon Valley, seeks a Senior Director of Decision Analytics in Milpitas to lead risk analytics for earned wage access products. You will build forecasting models, decision engines, and risk strategies, partnering with Product, Engineering, and Finance to turn data into actionable decisions.

You will define risk decision strategy, manage a team of data scientists, drive experiments, establish governance, and communicate trade-offs to executives.

Qualifications

• 8+ years in consumer credit risk, risk analytics, or decision science with leadership experience.
• Experience owning risk at a consumer fintech and scaling risk analytics.
• Deep fluency in loss forecasting, portfolio management, unit economics, and experimentation.
• Hands-on SQL and Python; familiarity with modern ML approaches to risk modeling.
• Executive-level ability to distill risk trade-offs for C-suite audiences.
• Knowledge of U.S. payment rails and regulatory landscape related to earned wage access.

Responsibilities

• Define and own the risk decision strategy for Payactiv’s product offerings with leadership alignment.
• Own end-to-end risk decisioning: eligibility, limits, repayment risk models, and recovery strategies.
• Build loss forecasting, cohort analysis, and portfolio metrics; report to executives.
• Lead and mentor a high-performing team of risk data scientists and analysts.
• Design and run experiments to expand access while controlling losses.
• Establish model governance, validation, monitoring, and controls.
• Translate analyses into clear decisions for Product, Engineering, Finance, Compliance.

Skills

Experience in consumer credit risk

Leading analytics teams

Loss forecasting

SQL

Python

Executive communication

US payment rails knowledge

Job description

Payactiv, a FinTech company in Silicon Valley, seeks a Senior Director of Decision Analytics in Milpitas to lead risk analytics for earned wage access products. You will build forecasting models, decision engines, and risk strategies, partnering with Product, Engineering, and Finance to turn data into actionable decisions.

You will define risk decision strategy, manage a team of data scientists, drive experiments, establish governance, and communicate trade-offs to executives.