Director of Credit Risk (New York)

About USAt Biz2Credit, we look 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 are here to make that happen. That is why we are 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 are more than just another FinTech company. We are 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 is why we value a culture that is inclusive and supportive. We are 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 RoleIn this leadership role reporting directly to the Chief Risk Officer, you will oversee a team of high-performing Risk and Data Science Analysts, both onshore and offshore, to develop and implement credit risk models and AI-driven underwriting and credit decision processes, optimize strategies related to risk management, pricing, and business growth, and shape and enhance lending products and processes to ensure they are grounded in robust risk management principles, driving both innovation and stability.ResponsibilitiesCredit Decisioning Model DevelopmentFor both existing products and new lending products on the roadmap,Develop and implement advanced credit risk models (rule-based, heuristic, and machine learning) to support underwriting and portfolio management.Automation of Customer Journey, Underwriting, and Credit Risk Framework.Collaborate with technology, data engineering, and product teams to continuously optimize workflows.Risk Strategy DevelopmentFor both existing products and new lending products on the roadmap,Design, execute, and monitor risk strategies across credit underwriting, credit limit assessments, pricing, and loss mitigation.Team Leadership & DevelopmentMentor and develop junior team members, fostering a high-performing credit risk team.Research and PublicationsContribute to in-house research by publishing articles and whitepapers on topics related to small business, AI, and macroeconomics.Requirements10+ years of experience in banking or Fintech, in advanced analytical and data science skills to drive decision making and risk strategy optimization for either consumer or small business.5+ years of experience in Risk First Line of Defense, in acquisition and underwriting risk strategy, and limit (or line) management.5+ years of experience in managing a high-performing risk management team.Hands-on expertise in developing and implementing machine learning-based statistical models, such as Logistics Regression, XGBoost, Decision Trees, or other ensemble techniques.Proven track record in risk management within the fintech or financial services industry.Strong understanding of fintech products, lending solutions, Embedded finance and industry regulations.Exceptional analytical and problem-solving skills with the ability to evaluate complex scenarios and drive data-driven decisions.Exposure to LLM/Generative AI/Agentic AI is preferredExposure to lending to small-business is preferred