Head of Credit & Fraud

About this role

The Head of Credit & Fraud will oversee the credit and fraud risk strategy, setting policies and leading a team to maximize risk-adjusted returns. This role requires strong data analysis and the ability to communicate effectively with executives and capital partners.

About the company

Happy Money is a financial technology company that provides solutions aimed at helping consumers manage and improve their financial well-being, primarily through innovative lending products and a focus on emotional wellness related to money.

The team

Credit and Fraud team, reporting to the Chief Risk & Analytics Officer.

What you'll do

• Own credit and fraud strategy across the customer lifecycle
• Set credit risk appetite and translate it into policy
• Balance loss rates, approval rates, and conversion
• Run test-and-learn agenda for credit strategies
• Monitor credit performance and forecast losses
• Spot and respond to credit and fraud risks
• Ensure policies meet regulatory and compliance requirements

What we're looking for

• College degree in a quantitative discipline
• 12+ years of experience in financial services
• 8+ years in credit risk with direct policy ownership
• Experience in fraud risk strategy
• Proven leadership with high-performing teams
• Strong cross-functional collaboration skills
• Experience with capital partners
• Working knowledge of consumer lending regulation

Nice to have

• Experience in fintech or smaller financial services
• Unsecured consumer lending experience
• Experience with credit policy for new product launches
• Experience managing portfolios through downturns
• Advanced degree in relevant fields

Benefits

• Generous medical, dental, and vision insurance
• Annual bonus eligibility
• 401k with matching contributions
• Generous PTO, including paid parental leave
• Company-paid disability and life insurance
• Monthly tech stipend for remote work