VP of Credit & Business Intelligence (FL)

One Park Financial; Miami (FL); On-site; USD 180,000 - 260,000; Full time

Benefits offered by this job

Dental Insurance

Health insurance

Vision insurance

Paid time off

401k with Match

Company Paid ID Protection

Company Paid Life Insurance

Job summary

One Park Financial is seeking a VP of Credit & Business Intelligence to lead Credit Policy, Analytics, and risk management for small business financing. Shape decisioning models, growth strategies, and reporting, guiding critical risk decisions with data-driven insights.

You will mentor the Analytics team, partner with Product, Engineering and Operations to productionize strategies, and leverage BI tools and external data sources to optimize the credit funnel and merchant experience.

Qualifications

• 8-10 years of credit and/or analytics experience in fintechs or credit institutions.
• 5+ years of leading teams (data science, analytics, risk policy).
• Fluency in SQL and Python or R; experience with BI tools and cloud data platforms.

Responsibilities

• Own Credit Policy & Analytics across the organization including origination, portfolio monitoring, and forecasting.
• Lead development and validation of AI/ML models to expand small business access to finance.
• Develop and maintain portfolio KPIs and analytics; identify risk and growth opportunities.

Skills

Credit risk analytics

Leadership

SQL

Python/R

Communication

Education

Bachelor's in quantitative field

MS/PhD preferred

Tools

PowerBI

Tableau

Snowflake

AWS

Databricks

Job description

About One Park Financial

One Park Financial, a leading provider of financing solutions for small and mid-sized businesses, has been consistently recognized as a top workplace for seven consecutive years, earning both the Best Place to Work and Sun Sentinel's Top Places to Work awards. As a fast-paced and innovative financial services company, we take immense pride in disrupting the industry and positively impacting the lives of business owners nationwide. At One Park Financial, excellence and results are celebrated, and your skills and passion will be recognized and rewarded, providing opportunities for both professional and personal growth.

About the VP of Credit & Business Intelligence

Reporting directly to the SVP of Credit & Analytics, the successful candidate will oversee the Credit Policy & Analytics function for small business financing and emerging embedded finance products. This pivotal role aims to empower small businesses by managing the risk appetite through advanced decisioning models, growth strategies, reporting, and analytics vital to the organization.

Job Responsibilities

• Own Credit Policy & Analytics across the organization – Credit Origination, Account Management, Portfolio monitoring, Collections and Loss/Growth Forecasting.
• Lead development, validation and implementation of advanced AI/ML models and strategies to expand small business access to finance, taking intelligent risks.
• Develop and maintain the key portfolio KPIs and inventory of periodic analysis to continuously identify risk and growth opportunities.
• Support effective challenge of Business Operations through Data & Data Science based Business Intelligence rhythms.
• Partner with Product, Engineering and Operations to productionize strategies in decision engines, while ensuring data quality, monitoring and controls.
• Leverage Open Banking (Plaid), Credit (Commercial & Personal), Business Identity, Fraud and validation sources to evaluate improvements in our Credit strategy and merchant experience.
• Identify areas to reshape user flows, reduce customer friction and optimize the credit funnel.
• Manage Analytics infrastructure needs for proactive highlighting of issues that need to be addressed and prioritized in the organization.
• Manage Executive discussions on Analytics prioritization for the most pressing business needs.
• Coach, Mentor and Develop the Analytics team to turn into effective Credit & Business Intelligence champions and credit policy owners.

Job Requirements

• 8-10 years of credit and/or analytics experience at Fintechs or Credit institutions, with 3+ years of direct merchant / SMB risk experience preferred.
• Deep knowledge of underwriting using bank & cash-flow analysis, bureau & alternate data, bureaus etc. with a focus on unsecured credit risk.
• 5+ years of leading teams (data science, analytics, risk policy) and scaling analytics functions at a growing organization.
• Proven track record of implementing business intelligence-based optimization strategies (reporting & alerting) with P&L impact.
• Fluency in SQL and Python or R; experience with BI tools (PowerBI/Tableau) and cloud data platforms (Snowflake/AWS/Databricks).
• Outstanding leadership, communication, and interpersonal skills, with the innate ability to inspire and motivate a team.
• Bachelors in a quantitative field; advanced MS/PhD qualifications are a plus.

• Dental Insurance
• Health insurance
• Vision insurance
• Paid time off
• 401k with Match
• Company Paid ID Protection
• Company Paid Life Insurance