Auto Lending Strategy Leader
A fast-growing fintech is seeking a senior leader to oversee credit risk and pricing for its auto lending products. This high-impact role focuses on near-prime and sub-prime customers and includes setting credit policies, underwriting criteria, pricing models, and fraud mitigation strategies, while driving overall risk-return performance. The ideal candidate brings 10+ years of experience in financial services, deep expertise in auto lending, and a strong background in credit risk, pricing, and product strategy. They should also be proficient in analytical tools such as Python, SQL, and Excel, and demonstrate strong leadership and cross-functional collaboration skills.
It's a great fit for someone who thrives in fast-paced environments and enjoys blending strategic thinking with hands-on data work, while leading and mentoring a high-performing team.
Key Responsibilities:
- Own credit policy, underwriting criteria, pricing models, and fraud mitigation strategies
- Optimize pricing, product eligibility, and risk-return performance
- Design and execute test/control strategies (e.g., champion/challenger)
- Analyze portfolio trends and external benchmarks to inform strategy
- Partner with data science to enhance risk and pricing models
- Present insights and recommendations to executive leadership and capital partners
- Lead and mentor a high-performing team
Requirements
- 10+ years in financial services, with expertise in auto lending
- Strong background in credit risk, pricing, and product strategy
- Proficient in Python, SQL, and Excel
- Skilled in interpreting credit bureau and alternative data
- Proven leadership and cross-functional collaboration experience
- Comfortable in fast-paced, high-growth environments
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