Head of Consumer Credit Risk
| Company | Gemini |
|---|---|
| Location | Seattle, WA, USA, Miami, FL, USA, New York, NY, USA |
| Salary | $162500 – $250000 |
| Type | Full-Time |
| Degrees | Bachelor’s |
| Experience Level | Expert or higher |
Requirements
- 15+ years of experience in credit risk and fraud loss prevention, with a focus on consumer credit and card products.
- Demonstrated success in designing and executing credit and fraud strategies that drive business growth while minimizing losses.
- Deep understanding of credit risk modeling, fraud detection systems, underwriting practices, and portfolio management.
- Proven ability to lead high-impact cross-functional initiatives and influence at the executive level.
- Strong analytical and strategic thinking skills, with the ability to translate complex data into actionable insights.
- Excellent communication and stakeholder management skills.
- Bachelor’s degree in Finance, Economics, Statistics, or a related field; advanced degree preferred.
Responsibilities
- Design and implement a comprehensive credit risk strategy aligned with the company’s growth objectives and risk appetite.
- Oversee fraud risk management initiatives to prevent and detect fraudulent activity across the credit portfolio.
- Collaborate closely with the Product team to guide credit card development and expansion, ensuring responsible user acquisition and risk-adjusted profitability.
- Lead the development and refinement of credit policies, underwriting criteria, and risk assessment models.
- Monitor portfolio performance, fraud trends, and loss patterns; establish metrics and controls to detect and mitigate emerging risks.
- Partner with Data Science, Engineering, and Operations to develop scalable risk infrastructure, including automation and real-time analytics.
- Represent credit and fraud risk perspectives in executive decision-making forums and advocate for data-driven, customer-centric solutions.
- Maintain compliance with applicable regulatory requirements and industry best practices in credit and fraud risk management.
- Build, mentor, and lead a team of credit and fraud risk professionals to achieve operational and strategic goals.
Preferred Qualifications
- Advanced degree preferred.