Head of Consumer Credit Risk

Summary

Join Gemini, a global crypto and Web3 platform, as the Associate Director, Credit Risk (Head of Consumer Credit Risk). Reporting to the CFO, you will lead the credit risk and fraud loss prevention functions, defining and executing a robust credit risk strategy, especially for the Gemini credit card. This director-level role demands strong cross-functional leadership, deep technical expertise, and the ability to influence senior leadership. You will build and mentor a high-performing team, solving complex problems and shaping long-term strategy. The position requires significant experience in consumer credit and card products, including credit risk modeling, fraud detection, and portfolio management. Gemini offers a competitive compensation and benefits package, including a competitive salary, annual bonus, equity grant, comprehensive health plans, 401k matching, paid parental leave, and flexible time off.

Requirements

• 15+ years of experience in credit risk and fraud loss prevention, with a focus on consumer credit and card products
• Demonstrated success in designing and executing credit and fraud strategies that drive business growth while minimizing losses
• Deep understanding of credit risk modeling, fraud detection systems, underwriting practices, and portfolio management
• Proven ability to lead high-impact cross-functional initiatives and influence at the executive level
• Strong analytical and strategic thinking skills, with the ability to translate complex data into actionable insights
• Excellent communication and stakeholder management skills
• Bachelor’s degree in Finance, Economics, Statistics, or a related field; advanced degree preferred

Responsibilities

• Design and implement a comprehensive credit risk strategy aligned with the company's growth objectives and risk appetite
• Oversee fraud risk management initiatives to prevent and detect fraudulent activity across the credit portfolio
• Collaborate closely with the Product team to guide credit card development and expansion, ensuring responsible user acquisition and risk-adjusted profitability
• Lead the development and refinement of credit policies, underwriting criteria, and risk assessment models
• Monitor portfolio performance, fraud trends, and loss patterns; establish metrics and controls to detect and mitigate emerging risks
• Partner with Data Science, Engineering, and Operations to develop scalable risk infrastructure, including automation and real-time analytics
• Represent credit and fraud risk perspectives in executive decision-making forums and advocate for data-driven, customer-centric solutions
• Maintain compliance with applicable regulatory requirements and industry best practices in credit and fraud risk management
• Build, mentor, and lead a team of credit and fraud risk professionals to achieve operational and strategic goals

Benefits

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off