SVP Credit Risk

Harnham; United States; On-site; USD 360,000 - 440,000; Full time

Job summary

Harnham in Miami, FL is seeking a Senior Vice President, Credit, Risk & Analytics to lead one of the company's most important functions. You will shape risk evaluation, capital deployment, data leverage, and growth opportunities across the portfolio.

Reporting directly to the CEO and executive team, you will evolve the credit operating system, scale risk, analytics, and decisioning capabilities, and drive self-service analytics across the organization.

Qualifications

• Proven background building risk-aware credit organizations.
• Experience guiding data-driven decisioning at executive level.
• Strong track record in analytics to inform risk and growth decisions.

Responsibilities

• Own credit strategy across originations, renewals, portfolio management, and monitoring.
• Establish portfolio health frameworks and forward-looking risk indicators.
• Drive pricing, approval, exposure and policy decisions.
• Identify opportunities to grow while maintaining disciplined risk performance.
• Lead Analytics and Data Science capabilities and guide ML roadmap.

Skills

Credit risk leadership

Executive leadership

Data analytics strategy

Machine learning roadmap

Job description

Miami, FL (onsite)

Up to $400k

A high-growth fintech lender is seeking a Senior Vice President, Credit, Risk & Analytics to lead one of the company's most important functions.

This role sits directly alongside the CEO and executive leadership team, with responsibility for shaping how the business evaluates risk, deploys capital, leverages data, and identifies growth opportunities across its portfolio.

The company has already built strong credit fundamentals, invested heavily in data infrastructure, and accumulated years of proprietary performance and transaction data. The next chapter is about turning those assets into a true competitive advantage.

You'll be responsible for evolving the company's credit operating system and driving how data informs decisions across the organization.

The business has reached a scale where the next phase of growth requires:

• More sophisticated underwriting
• Better use of machine learning and alternative data
• Stronger self-service analytics across the organization
• Faster translation of insights into business action

You'll work directly with the CEO and executive team to ensure risk, analytics, and decisioning capabilities continue to scale alongside the business.

Key Responsibilities

• Own credit strategy across originations, renewals, portfolio management, and account monitoring
• Establish portfolio health frameworks and forward-looking risk indicators
• Drive pricing, approval, exposure, and policy decisions
• Identify opportunities to improve growth while maintaining disciplined risk performance

Data Science & Advanced Analytics

• Lead and develop Analytics and Data Science capabilities
• Guide the company's ML roadmap and decisioning strategy
• Partner with technical teams on model development, monitoring, governance, and deployment
• Evaluate new data sources and analytical approaches that improve underwriting and portfolio performance

Business Intelligence & Self-Service Analytics

• Advance Business Intelligence capabilities across the organization
• Build a culture of self-service analytics and data-driven decision making
• Ensure business leaders have access to timely, actionable insights
• Improve visibility into portfolio performance, sales effectiveness, and operational efficiency
• Serve as a key member of the executive leadership team
• Partner closely with Capital Markets, Finance, Product, Operations, and Sales leadership
• Present portfolio performance, risk outlook, growth opportunities, and strategic recommendations to the CEO and Board
• Help shape the broader direction of the business as it continues to scale

Ideal Background

• Proven background of building and growing data-driven SMB lending organizations