Senior Director, Credit & Fraud

Summary

Join Happy Money as a Credit & Fraud Strategy Leader, a forward-thinking role requiring 10+ years of financial services experience and 6+ years in credit/fraud. You will develop and implement credit & fraud strategies to maximize risk-adjusted returns, manage losses, and meet performance expectations. Responsibilities include managing a team, building communication channels, owning end-to-end analytics, and participating in business discussions. A quantitative degree is required, along with proven people management skills and experience collaborating with various teams. Happy Money offers generous benefits, including comprehensive insurance, 401k matching, PTO, parental leave, and a tech stipend.

Requirements

• 10+ years of experience in financial services, consulting, data science or risk management
• 6+ years of Credit/Fraud experience
• Four-year college degree in a quantitative discipline such as Economics, Finance, Engineering, Math, Statistics, Business, Science or Computer Science
• Relevant college internship and/or work experience in an analysis discipline (such as business and data analytics, statistics, or consulting)
• Proven track record of people management, including experience managing nimble, distributed, multi-disciplinary teams
• Experience working at a hands on level with other groups like engineers, product managers, data analysts, operations analysts in building operations processes and systems

Responsibilities

• Develop credit & fraud strategies to maximize risk adjusted return and manage through the cycle losses; balance loss rates and conversion rates to maximize profits
• Manage the implementation of growth initiatives to meet/exceed performance expectations; key metrics will include credit risk metrics and overall profitability
• Develop and manage communication channels and information-sharing forums including a central knowledge base, stakeholder updates, and leadership summaries
• Own end-to-end analytics workflow, including defining success and performance metrics, socializing them across the organization, and creating actionable dashboards and reports
• Recruit, motivate, develop and lead a team of world-class analytical talent
• Participate in discussions about data and outcomes which provide insight into business trends and opportunities

Benefits

• Generous medical, dental, and vision insurance options and coverage on Day 1
• Critical Illness, Accident, and Hospital Indemnity Insurance options
• Basic Life and AD&D with optional voluntary coverage
• 401k Plan with a matching contribution
• Generous PTO
• Monthly Health and Wellness Days
• 12 Weeks Paid Parental Leave
• Company-paid short & long term disability and life insurance
• Monthly tech stipend to help cover expenses for remote work
• Happy Money is a 100% fully distributed workforce
• Access to BenefitHub Discount Marketplace
• Employee Assistance Program with Travel Assistance
• Discounted Pet Insurance