VP of Credit Risk

Scratch Financial VP of Credit Risk YesterdaySaved Remote CA, USA 250K-275K Annually Expert/Leader 250K-275K Annually Expert/LeaderFintech • Financial ServicesOwn the credit strategy and P&L for Scratch Pay, leading underwriting, scoring models, policy rules, collections, and portfolio performance. Build and manage a lean credit risk team, operationalize alternative data and AI tooling, partner with Product on borrower experience, and run rigorous test-and-learn experiments to expand approvable customers while controlling loss rates.Top Skills: A/B TestingAi ToolsBank-Transaction (Cash-Flow) DataChampion/Challenger TestingCollections AutomationEquifaxExperianIncome And Employment VerificationLogistic RegressionMachine Learning (Ml-Based Scorecards)Transunion