Director, Credit Risk Analytics & Capital Markets

We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors turning complex risk models and portfolio performance into a clear compelling growth narrative for the investment community. This leader will drive strategic initiatives that enhance risk-adjusted returns improve underwriting efficiency strengthen investor confidence and support scalable growth. 

This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills. 

What youll do:

Credit Analytics & Portfolio Risk Management

• Develop and enhance analytical frameworks to assess portfolio credit quality monitor portfolio performance and surface emerging credit trends.

• Partner with Capital Markets Finance and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin.

• Track macroeconomic industry and market developments and assess their potential impact on portfolio performance and credit risk.

• Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development validation and enhancement efforts.

AI-Driven Credit Underwriting Strategy

• Lead the exploration and practical development of Credit Risks AI and advanced analytics strategy to strengthen underwriting risk assessment and portfolio management capabilities.

• Identify evaluate and integrate alternative internal and external data sources to enhance borrower assessment risk identification and predictive model performance.

• Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows enhance signal detection and improve speed-to-insight and execution.

• Drive automation of underwriting processes to improve decision speed consistency operational efficiency and scalability.

Capital Markets Support

• Partner with Capital Markets and Finance teams to support securitizations warehouse facilities whole-loan sales and other structured finance transactions.

• Translate credit forecasts portfolio performance and strategic initiatives into clear investor-focused narratives and capital markets communications.

• Design and maintain a suite of BAU reporting and analytics to support investor relations transaction execution and ongoing capital markets activities.

• Own Credit Enhancement projections in partnership with the Loss Forecasting team proactively identifying risks opportunities and key drivers impacting Credit Enhancement liability.

Qualifications :

  What youll bring:

• 8 years of experience in credit risk analytics credit strategies or quantitative risk management or related financial services disciplines.

• 5 years of leadership experience managing analytics data science or credit risk functions.

• Strong knowledge of consumer lending (Personal loans HELOC) 

• Proven track record leading strategic transformation initiatives and cross-functional programs.

• Advanced analytical skills (SQL Python or similar).

• Ability to translate complex analytical concepts into actionable business recommendations.

• Strong analytical problem solving and communication skills.

• Strategic thinker with strong business acumen and executive presence.

• Strong stakeholder management skills across executive leadership investors regulators and external partners.

Preferred:

• Experience supporting Capital Markets function at a fintech.

• Demonstrated experience deploying AI/ML solutions in lending underwriting or risk management environments.

• Strong knowledge of Debt Settlement business.

Additional Information :

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• 401 (k) with employer match
• Medical dental and vision with HSA and FSA options  
• Competitive vacation and sick time off as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo CA and Phoenix AZ metro other locations throughout the country we offer work from home.

Salary Range: $240000 - $270000 bonus benefits. 

This information represents the expected salary range for this role. Should we decide to make an offer for employment well consider your location experience and other job-related factors.

Join Achieve change the future.

At Achieve were changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth youll get to be a part of their journey to a better financial future. Were proud to have over 3000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona California and Texas. We are strategically growing our teams with more remote work-from-home opportunities every day to better serve our members. A career at Achieve is more than a jobits a place where you can make a true impact have a sense of belonging establish a fulfilling career and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieves Talent Acquisition leader.

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Remote Work :

No

Employment Type :

Full-time