Credit Risk Lead

Summary

Join Keep as a Credit Risk Lead and take full ownership of the credit strategy and policy. Build dashboards, analyze loan performance, and adjust underwriting models. Collaborate cross-functionally to drive smarter credit decisions. This leadership position requires experience building or significantly evolving credit policy at a lender, understanding fintech underwriting, and navigating small business underwriting. You will lead with strategy, be deeply analytical, and use data to make decisions. The role offers the chance to shape lending practices, work cross-functionally, and have executive visibility.

Requirements

• You’ve built or significantly evolved a credit policy at a lender, and understand the variables, iterations, and trade-offs that come with it
• You’ve worked in fintech and understand the differences between underwriting in tech vs traditional financial services
• You’re comfortable navigating small business underwriting — or curious enough to learn its nuances fast
• You lead with strategy: you ask the right questions, guide discussions with stakeholders, and keep the company’s risk-reward balance in mind
• You’re deeply analytical and naturally inquisitive. You don’t just look at data — you question it, find patterns, and use it to make decisions

Responsibilities

• Own the Credit Policy: Take end-to-end ownership of the credit strategy, making iterative improvements based on data and business needs
• Monitor Loan Book Performance: Set up dashboards, analyze default rates, and stratify loan performance across key variables
• Evolve the Underwriting Model: Adjust risk weightings, variables, and logic based on performance data. Collaborate with engineering and data teams to implement changes
• Cross-Functional Collaboration: Partner with operations, sales, finance, and engineering to ensure the credit strategy is aligned and well-executed
• Proactive Risk Management: Identify risks early and propose mitigations before they become issues
• Drive Strategic Projects: Propose and lead initiatives to improve credit performance and evolve our product offering
• Long-Term Credit Strategy: Develop frameworks that scale with Keep’s growth and adapt to new market opportunities

Benefits

Enjoy a remote-friendly, flexible work environment with a team that actually enjoys working together