Description

In this role, you'll build and lead the credit strategy and risk framework for Clutch's consumer financing program. You'll own risk assessment, credit decisioning, pricing, and portfolio performance, partnering cross-functionally to embed risk decisioning into the customer journey while building monitoring and controls for responsible performance management.

Requirements

• 6–10+ years experience in credit risk, underwriting, or portfolio management in consumer lending
• Strong understanding of credit policy development and risk-based decisioning
• Ability to translate analytics into policy and operational changes
• Strong quantitative and analytical skills with large datasets

Responsibilities

• Design and evolve underwriting policies balancing growth, approval rates, and portfolio performance
• Develop risk-based pricing strategies reflecting loss expectations and unit economics
• Build portfolio analytics framework including delinquency tracking, vintage analysis, and loss/recovery metrics
• Lead initiatives to manage delinquencies and losses with servicing and operations
• Define risk appetite, policy governance, and control environment for regulated lending