Director - Credit Risk Analytics Policy & Solutioning - Embedded Finance (12-17 yrs)

Director Credit Risk Analytics Policy & Solutioning, Embedded Finance

About the Role:

We are looking for a seasoned and entrepreneurial leader to drive credit product strategy, policy design, and P&L ownership for our embedded finance business. This role sits at the intersection of commercial, product, and risk, requiring a highly data-driven professional who can build scalable lending solutions tailored to partner ecosystems.

The role will involve building the function from the ground up, working closely with data science teams, and defining the right credit products that deliver value for both clients and the business while maintaining strong risk discipline.

Key Responsibilities:

- Own end-to-end credit product lifecycle including strategy, policy design, execution, and P&L management

- Define and build embedded lending products that align with partner/customer needs and business objectives

- Balance commercial growth with robust credit risk management frameworks for unsecured lending portfolios

- Leverage data models and analytics to drive credit decisioning and portfolio optimization

- Collaborate closely with data science, product, risk, and business teams to enable data-led solutions

- Identify and implement scalable credit policies and frameworks across partner ecosystems

- Build and scale a high-performing team (credit policy analysts, risk specialists, and solutioning roles)

- Establish strong governance across credit, fraud, compliance, and operational risks

- Drive stakeholder alignment through strong communication, influencing, and execution capabilities

Team & Structure:

Reporting to: Senior Leadership

Initial team: 2 policy analysts (data-driven, risk-focused)

- Expected to build and scale a team of ~6 members across credit, risk, and solutioning

Ideal Candidate Profile:

- 12-17 years of experience in lending, credit products, or business strategy roles

- Strong experience in unsecured lending portfolios (mandatory)

- Proven ownership of P&L and credit product performance

- Experience in fintech, digital lending, or institutions like Capital One preferred

- Candidates from top-tier consulting firms (with strong execution experience) will be considered

- Strong understanding of credit risk OR strong product/business strategy mindset with ability to partner with risk experts

- Demonstrated ability to use data models and analytics for decision-making

- Excellent stakeholder management and communication skills

- Entrepreneurial mindset with experience building new functions or products

- Prior experience working with data science teams is highly desirable

- Strong academic background in business, engineering, economics, statistics, or related fields

What We Are Looking For:

- A highly analytical, data-driven leader

- Someone who can answer: What credit product works best for our clients?

- A balance of commercial thinking, product strategy, and risk awareness

- A builder who thrives in ambiguous, fast-paced environments