Director of Fraud Risk

About Us:At Biz2Credit, we are looking for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward.As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we're here to make that happen. That's why we're dedicated to developing cutting-edge solutions, like our Biz2X platform, a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible.But we're more than just another FinTech company. We're a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that's why we value a culture that is inclusive and supportive. We're looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work.So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit.About the RoleBiz2Credit is launching a new small-business credit card, and we are hiring a Director Fraud Risk to build and scale the risk engine that powers the product. This role sits within the Risk organization and focuses on designing and executing the fraud and credit strategies required to safely grow a new card portfolio.You will own fraud and credit risk strategy across the full lifecycle, partner with Data Science on model development, work with product and engineering to implement rules and logic, and collaborate with vendors who support fraud detection, identity verification, and credit decisioning. This is a hands-on, analytics-driven role for someone who has built or scaled card risk systems before.Key ResponsibilitiesFraud Risk Strategy & AnalyticsDevelop and manage fraud strategies across the full credit card lifecycle: KYC, KYB, onboarding, transaction monitoring, disputes, and chargebacksBuild and optimize fraud rules, signals, and decisioning logicPartner with Data Science to develop or enhance fraud modelsMonitor fraud KPIs, emerging patterns, and loss trends to adjust strategyWork with fraud vendors and platforms to implement rules, workflows, and detection capabilitiesCredit Risk Strategy & AnalyticsOwn credit line assignment, credit line increases (CLI), credit line decreases (CLD), and ongoing credit monitoringDevelop and refine credit risk segmentation, cutoffs, and exposure strategiesPartner with Data Science online assignment models and credit risk modelsBuild dashboards and analytics to track credit performance, delinquencies, and portfolio trendsContinuously optimize credit policies to balance growth and riskCard Program Buildout & ScalingContribute to building the fraud and credit risk foundation for a new credit card programSupport scaling of the portfolio through iterative strategy, analytics, and model improvementsEnsure risk systems, rules, and logic are implemented correctly across product, engineering, and vendor platformsCross‑Functional CollaborationWork closely with product, engineering, operations, and external vendors to launch and scale long duration programsTranslate risk strategy into technical requirements for implementationPartner with compliance teams as needed; deep expertise not required, but familiarity with Reg Z, Reg B, FCRA, and UDAAP is helpfulQualifications5–10+ years of experience in credit card fraud risk, credit risk, risk analytics, or risk modelingHands‑on experience with fraud lifecycle management: KYC, KYB, onboarding, transaction monitoring, disputes, chargebacksExperience with credit line strategy: limit assignment, CLI, CLD, and credit monitoringStrong analytics background; proficiency in SQL required, Python preferredExperience working with fraud and/or credit risk vendors and platforms (e.g., decision engines, fraud tools, KYC/KYB providers)Experience building or scaling risk strategies for a credit card programAbility to work cross functionally with product, engineering, data science, and vendorsFamiliarity with compliance requirements for credit cards; ability to partner with compliance teamsWho Thrives in This RoleSomeone who has built or scaled a credit card risk engineA fraud + credit strategist who is equally comfortable with rules, analytics, and modelsA hands-on operator who can design strategy and also dig into SQLSomeone who enjoys cross-functional execution and long-term program buildingA risk expert who wants to shape the foundation of a new card product