220K–260K USD / year
Head of Credit & Fraud
OtherRemote — USA
Published on 2026-10-01
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About this role
The Head of Credit & Fraud will lead credit and fraud risk strategies for Happy Money, setting policies and balancing profitability with risk management. This role involves collaboration with various teams and capital partners to drive credit performance and ensure regulatory compliance.
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.
What you'll do
- Own credit and fraud strategy across the customer lifecycle
- Set credit risk appetite and translate it into clear policies
- Balance loss rates and approval rates to grow profitably
- Run disciplined test-and-learn agendas for credit strategies
- Monitor credit performance and respond to emerging risks
What we're looking for
- 12+ years in financial services
- 8+ years of credit risk experience
- Proven leadership experience in high-performing teams
- Strong cross-functional collaboration skills
- Experience with regulatory compliance in consumer lending
Benefits
- Generous medical, dental, and vision insurance
- Eligible for annual bonus and long-term incentives
- 401k plan with matching contribution
- Generous PTO policies
- Company-paid disability and life insurance