Director of Credit Risk

Made's mission is to help homeowners save time, money, and stress through innovative financial tools and home management solutions. The company partners with leading players in the residential homeownership space and is backed by top investors, aiming to redefine the homeowner experience.

Location: Remote (US)

Salary: $100,000–$110,000

Responsibilities

• Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth.
• Deploy test and learn mechanisms.
• Develop, refine, and monitor credit policies and customer segmentation strategies.
• Design pricing and credit limit frameworks to maximize risk-adjusted returns.
• Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.
• Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.
• Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.
• Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans.

Requirements

• 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments.
• Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections.
• Hands-on experience with credit risk models and credit bureau data (traditional and alternative).
• Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus).
• Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

Benefits

• Base Compensation Band: $100,000–$110,000 (determined by experience, qualifications, and location)
• Compensation: Competitive salary with a meaningful stake in the company via equity
• Health & Well-being: Comprehensive medical, dental, & vision benefits
• Grow Together: Company-wide orientation, learning & development opportunities, regular review cycles with 360-degree feedback
• Mortgage Benefit: Up to $25,000 toward closing costs of a new mortgage via our mortgage partners
• Play Together: Quarterly budgets for team and company outings
• Generous Time Off: Flexible paid time off, sick days, and 11 company holidays