Remote Head of Credit Risk

Summary

Join Earnest as Head of Credit Risk and lead a high-performing risk organization to make higher education accessible and affordable. Oversee credit risk policy, develop risk models, and promote a strong credit risk culture.

Requirements

• 15+ years of experience in risk management roles within fintech or banking industry lending, risk management, risk analytics, credit, data science, fraud or information management
• 10+ years personnel management experience, experience managing managers is preferred
• Knowledge of applicable laws and regulations governing the lending industry, including regulatory compliance experience
• Proven track record of developing and implementing effective risk management strategies
• Strong understanding of credit risk modeling, regulatory compliance and risk mitigation strategies
• Deep understanding of loss forecasting modeling techniques and risk mitigation strategies
• Experience and knowledge of the development and deployment of credit workflows

Responsibilities

• Be responsible for leading, motivating, and managing a high-performing risk organization
• Oversee credit risk policy and the credit risk assessment process, including the development of risk models, scoring systems, and underwriting criteria
• Oversee the company's credit risk management strategy and promote a strong credit risk culture that aligns risk management efforts with overall business objectives
• Prepare and present comprehensive risk reports to executive leadership and other relevant stakeholders
• Represent the organization in discussions with regulators, auditors, capital suppliers, investors, bank partners, and other external stakeholders on matters related to credit risk management

Benefits

• Health, Dental, & Vision benefits plus savings plans
• Mac computers + work-from-home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• Restricted Stock Units (RSUs)
• 401(k) plan to help you save for retirement plus a company match
• Robust tuition reimbursement program
• $1,000 travel perk on each Earnie-versary to anywhere in the world
• Competitive days of annual PTO
• Competitive parental leave