Director, Lending & Credit Risk Analytics

• Serve as the internal authority on lending, underwriting, fraud, and credit‑risk analytics, with deep domain fluency in non-prime and alternative lending
• Ensure analyses reflect how lenders actually evaluate risk, including loss exposure, fraud risk, approval and conversion lift, and early‑life performance indicators
• Act as the final interpretive checkpoint for customer‑facing lending analyses prior to delivery
• Review and approve analytical outputs for accuracy, relevance, and real‑world defensibility

• Own prioritization, scoping, and execution of customer‑driven analytical requests
• Lead, mentor, and develop Customer Analytics team members (current and future)
• Establish repeatable analytical frameworks for common lending use cases (e.g., approval optimization, fraud segmentation, early delinquency indicators)
• Set standards for analytical rigor, documentation quality, and narrative consistency

• Partner closely with Sales, Client Success, Product, and R&D on lender‑specific questions and insights
• Translate lender feedback into structured input for R&D, highlighting gaps between model output, lender interpretation, and real‑world decision constraints
• Influence product roadmap priorities and go‑to‑market messaging based on lender realities and market norms

• Serve as the public and internal face of the data studies and lending analytics strategy
• Drive conversations and recommendations around new or enhanced risk model features and capabilities
• Ensure consistency, credibility, and defensibility across all lender‑facing analytical work

• 7–10+ years of experience in lending, credit risk, fraud analytics, or financial risk
• Direct experience supporting banks, fintech lenders, or non‑prime / alternative credit providers
• Deep understanding of underwriting and credit policy design, fraud detection techniques, portfolio monitoring, and early‑risk indicators
• Familiarity with regulatory and compliance considerations relevant to lending

• Does not need to be a career data scientist, but must command technical credibility when engaging with senior data scientists, risk modelers, and quantitative teams
• Able to challenge, defend, and refine analytical conclusions in technical discussions without defaulting to theory or abstraction
• Demonstrated ability to distinguish meaningful, decision‑relevant signals from noise or false positives
• Proven ability to evaluate model performance in terms of real‑world business impact, not just statistical metrics
• Ability to combine quantitative outputs with real‑world lending judgment to produce conclusions that withstand scrutiny from both technical and business stakeholders

• Strong ability to translate complex analytics into clear, lender‑ready narratives
• Proven track record telling believable, defensible risk stories aligned to real underwriting, fraud, and portfolio behaviors
• Prior people leadership experience or clear readiness to manage and mentor others
• Confident communicator with executives, customers, and internal stakeholders; willing and able to push back when analytics do not reflect real‑world risk behavior

• Increased lender trust and confidence in the analytics
• Consistent delivery of clean, defensible, decision‑relevant customer analyses
• Reduced dependency on senior analytics leadership for lending interpretation
• Clear separation between customer‑facing analytics and R&D model development
• Strong alignment between analytics, product, and go‑to‑market teams

LOCATION: Atlanta - Hybrid (3 day/wk)

Job ID# 3566817

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