Director of Credit Card Risk Strategy
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Job Location:
New York City, NY - USA
Monthly Salary:
Not Disclosed
Posted on:
8 hours ago
Vacancies:
1 Vacancy
Job Summary
At Biz2Credit we are looking for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration Responsibility Empowerment Disruption Innovation and Trust guide everything we do and our purpose of helping small businesses succeed drives us forward.
As a company we believe that with the right tools and support small business owners can achieve their dreams and were here to make that happen. Thats why were dedicated to developing cutting-edge solutions like our Biz2X platform a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient effective and accessible.
But were more than just another FinTech company. Were a team of individuals who bring their unique personalities backgrounds and experiences to work every day. We believe that diversity makes us stronger and thats why we value a culture that is inclusive and supportive. Were looking for people who are excited about the opportunity to make a difference who want to work in an environment that is both challenging and fun and who are eager to bring their whole selves to work.
So if youre someone who is eager to join a company that is making a real impact who values a positive and inclusive workplace culture and who is ready to be a part of a team that is changing the lending landscape we want to hear from you. Come join us and be a part of something truly special at Biz2Credit.
Biz2Credit is launching a new small-business credit card and we are hiring a Director of Credit Card Risk Strategy to build and scale the risk engine that powers the product. This role sits within the Risk organization and focuses on designing and executing the fraud and credit strategies required to safely grow a new card portfolio.
You will own fraud and credit risk strategy across the full lifecycle partner with Data Science on model development work with product and engineering to implement rules and logic and collaborate with vendors who support fraud detection identity verification and credit decisioning. This is a hands-on analytics-driven role for someone who has built or scaled card risk systems before.
Key Responsibilities
Fraud Risk Strategy & Analytics
- Develop and manage fraud strategies across the full credit card lifecycle: KYC KYB onboarding transaction monitoring disputes and chargebacks
- Build and optimize fraud rules signals and decisioning logic
- Partner with Data Science to develop or enhance fraud models
- Monitor fraud KPIs emerging patterns and loss trends to adjust strategy
- Work with fraud vendors and platforms to implement rules workflows and detection capabilities
Credit Risk Strategy & Analytics
- Own credit line assignment credit line increases (CLI) credit line decreases (CLD) and ongoing credit monitoring
- Develop and refine credit risk segmentation cutoffs and exposure strategies
- Partner with Data Science online assignment models and credit risk models
- Build dashboards and analytics to track credit performance delinquencies and portfolio trends
- Continuously optimize credit policies to balance growth and risk
Card Program Buildout & Scaling
- Contribute to building the fraud and credit risk foundation for a new credit card program
- Support scaling of the portfolio through iterative strategy analytics and model improvements
- Ensure risk systems rules and logic are implemented correctly across product engineering and vendor platforms
Cross-Functional Collaboration
- Work closely with product engineering operations and external vendors to launch and scale long-duration programs
- Translate risk strategy into technical requirements for implementation
- Partner with compliance teams as needed; deep expertise not required but familiarity with Reg Z Reg B FCRA and UDAAP is helpful
- 510 years of experience in credit card fraud risk credit risk risk analytics or risk modeling
- Hands-on experience with fraud lifecycle management: KYC KYB onboarding transaction monitoring disputes chargebacks
- Experience with credit line strategy: limit assignment CLI CLD and credit monitoring
- Strong analytics background; proficiency in SQL required Python preferred
- Experience working with fraud and/or credit risk vendors and platforms (e.g. decision engines fraud tools KYC/KYB providers)
- Experience building or scaling risk strategies for a credit card program
- Ability to work cross-functionally with product engineering data science and vendors
- Familiarity with compliance requirements for credit cards; ability to partner with compliance teams
Who Thrives in This Role
- Someone who has built or scaled a credit card risk engine
- A fraud credit strategist who is equally comfortable with rules analytics and models
- A hands-on operator who can design a strategy and dig into SQL
- Someone who enjoys cross-functional execution and long-term program building
- A risk expert who wants to shape the foundation of a new card product
Required Experience:
Director
Key Skills
- Business Development
- Marketing
- Pricing
- Analysis Skills
- Research Experience
- Project Management
- Research & Development
- Strategic Planning
- Financial Modeling
- Leadership Experience
- Management Consulting
- Analytics
About Company
Biz2Credit helps entrepreneurs to get financing and small business loans with a fast approval process. Fund what's next for your business and apply online.
