Note: The job is a remote job and is open to candidates in USA. Achieve is a leading digital personal finance company that helps individuals improve their financial situations through innovative solutions. They are seeking a Director of Credit Risk Analytics & Capital Markets to lead the development of credit risk capabilities and support strategic initiatives that enhance risk-adjusted returns and improve underwriting efficiency.
Responsibilities
- 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
- Lead the exploration and practical development of Credit Risk’s 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
- 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
Skills
- 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
- 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
Benefits
- 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 market. In other locations throughout the country, we offer work from home.
Company Overview