VP Credit Risk

Harnham; United States; On-site; USD 180,000 - 270,000; Full time

Job summary

Harnham is partnering with a fast-growing fintech lender to hire a senior leader who will shape ML-driven credit decisioning, pricing, and growth strategies. This role emphasizes innovation across underwriting, monitoring, and policy evolution rather than maintenance.

Ideal candidates come from fintech lending, embedded finance, or alternative credit, with experience in sub-prime credit strategy and automated decisioning, and a track record translating analytics into business outcomes.

Qualifications

• Experience leading in a model-driven environment.
• Ability to translate analytics into business outcomes.
• Open to senior title and fintech sector.

Responsibilities

• Lead credit strategy across the customer lifecycle.
• Oversee portfolio monitoring and performance optimization.
• Drive ML-driven underwriting and decisioning initiatives.
• Evolve credit policy with experimentation.
• Lead Credit Analytics and Data Science capabilities.
• Partner with Product, Engineering, and Executives.

Skills

Credit strategy

Portfolio monitoring

ML-driven underwriting

Credit analytics

Data science leadership

Cross-functional collaboration

Job description

I'm working with a fast-growing fintech lender that has already built strong foundations across credit, analytics, and portfolio management.

The next chapter is different.

The business is investing heavily in ML-driven decisioning, cashflow underwriting, portfolio intelligence, and automated credit strategies. They are looking for a senior leader to help shape that future.

This isn't a maintenance role. It's a role for someone who wants drive innovation and impact across how underwriting, monitoring, pricing, and growth decisions are made over the next several years.

What You'll Own

• Credit strategy across the customer lifecycle
• Portfolio monitoring and performance optimisation
• ML-driven underwriting and decisioning initiatives
• Credit policy evolution and experimentation
• Leadership of Credit Analytics and Data Science capabilities
• Cross-functional partnership with Product, Engineering, and Executive Leadership

What Makes This Different?

High growth environment

Ability to influence company strategy

Strong appetite for innovation

Large investments already made in cashflow data, analytics, and ML

Opportunity to build rather than maintain

Ideal Background

We're open on title and sector, but successful candidates will typically come from:

• Fintech Lending
• Embedded Finance
• Alternative Credit
• Credit Cards
• Revenue-Based Finance
• Cashflow Underwriting

Experience with the following is required:

• Sub-Prime Credit Strategy
• ML Driven Decision Science
• Alternative Data
• Cashflow / Transaction Data
• Automated Decisioning

The Person

You don't need to be a hands-on data scientist today.

You do need to be comfortable leading in a model-driven environment, challenging methodologies, with knowledge of how models are built, and translating analytics into business outcomes.

This role would suit someone who enjoys asking: