Senior Risk Specialist

CTB1LLC, a boutique talent and placement company; United States; Remote; USD 140,000 - 190,000; Full time

Job summary

CTB1LLC is partnering with a high-growth fintech to recruit a Risk Leader for Second Line of Defense (2LoD) focused on credit risk, fraud, and quantitative models. The role requires digging into data, evaluating lending decisions, and challenging the status quo to drive performance and reduce losses.

The ideal candidate has 6+ years in risk analytics, strong SQL skills, and a track record of independent risk assessment in fintech or financial services.

Qualifications

• 6+ years of experience in credit risk, fraud risk, model risk, or related analytical risk functions.
• Experience in a second-line risk function, or a background involving independent risk assessment, policy evaluation, and oversight.
• Strong ability to analyze complex datasets, investigate performance trends, and draw meaningful conclusions.

Responsibilities

• Assess the effectiveness of credit and fraud risk strategies, policies, and controls, providing independent recommendations to improve risk outcomes.
• Evaluate underwriting approaches, portfolio trends, and risk performance to identify potential vulnerabilities and opportunities for optimization.
• Provide oversight of quantitative models, including their performance, validation, and ongoing monitoring.
• Conduct independent, data-driven reviews of risk decisions, emerging trends, and changes to existing products or strategies.
• Develop analyses and reporting to help leadership better understand risk exposures, performance, and areas requiring attention.
• Work cross-functionally with risk, analytics, product, and compliance teams to support sound decision-making and appropriate risk controls.
• Contribute to the development and refinement of risk policies, monitoring processes, and internal governance practices.
• Use SQL and other analytical tools to independently investigate risk trends, test assumptions, and support recommendations.

Tools

SQL

Job description

Risk Leader – Second Line of Defense (2LoD)

We're working with a growing fintech to add a senior risk professional to its team, with a focus on credit risk, fraud, and quantitative models.

This opportunity is well suited for someone who enjoys digging into data, evaluating how lending and risk decisions are made, and identifying ways to improve performance and mitigate potential losses. The role involves working closely with business and risk leaders, bringing an independent perspective to existing strategies, and helping the organization make informed decisions as it grows.

We're looking for someone who combines strong technical and analytical skills with practical lending experience, intellectual curiosity, and the confidence to challenge the status quo.

What You'll Be Doing

• Assess the effectiveness of credit and fraud risk strategies, policies, and controls, providing independent recommendations to improve risk outcomes.
• Evaluate underwriting approaches, portfolio trends, and risk performance to identify potential vulnerabilities and opportunities for optimization.
• Provide oversight of quantitative models, including their performance, validation, and ongoing monitoring.
• Conduct independent, data-driven reviews of risk decisions, emerging trends, and changes to existing products or strategies.
• Develop analyses and reporting to help leadership better understand risk exposures, performance, and areas requiring attention.
• Work cross-functionally with risk, analytics, product, and compliance teams to support sound decision-making and appropriate risk controls.
• Contribute to the development and refinement of risk policies, monitoring processes, and internal governance practices.
• Use SQL and other analytical tools to independently investigate risk trends, test assumptions, and support recommendations.

What We're Looking For

• 6+ years of experience in credit risk, fraud risk, model risk, or related analytical risk functions, preferably within fintech, lending, or financial services.
• Experience in a second-line risk function, or a background involving independent risk assessment, policy evaluation, and oversight.
• Advanced SQL skills and the ability to independently analyze complex datasets, investigate performance trends, and draw meaningful conclusions.
• Strong understanding of credit decisioning, underwriting, portfolio analytics, fraud prevention, and/or quantitative risk models.
• Experience evaluating risk strategies and communicating findings to business and risk leadership.
• A combination of technical depth, commercial awareness, and sound judgment.
• Comfortable challenging established approaches, working through ambiguity, and collaborating across teams.

Why Consider This Role?

• Broad exposure to credit, fraud, and model risk within a technology-focused financial services business.
• Opportunity to influence risk decisions and contribute to the evolution of the company's oversight capabilities.
• A role that combines hands-on analytical work with strategic input and senior stakeholder engagement.
• Remote-first opportunity for U.S.-based candidates.