Onsite VP, Credit Risk and Data Science

Posted 17 hours ago

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About the role

  • Lead the strategy, governance, and execution of Purpose Financial’s credit risk framework across all lending products.
  • Define, maintain, and execute the company’s credit risk strategy in alignment with business objectives and risk appetite.
  • Establish and oversee lending policies, underwriting standards, and credit decision frameworks across portfolio segments.
  • Design and evolve underwriting models, A/B testing decision frameworks, and segmentation strategies.
  • Lead portfolio forecasting, scenario modeling, and risk-adjusted return analyses in partnership with Product Management team to support executive decision-making.
  • Monitor portfolio performance, delinquency, loss trends, recoveries, and segment-level risk exposure across all channels and tactics.
  • Identify emerging risks early and design proactive responses grounded in leading indicators.
  • Guide the development and enhancement of diagnostic tools to improve portfolio management.
  • Build strong partnerships with Product, Finance, Channel Operations, Technology, and Compliance.
  • Translate complex data and risk insights into clear, actionable guidance for executives.
  • Evaluate new product launches, partnerships, and underwriting strategies from a risk, economics, and unit-economics perspective.

Requirements

  • Master’s degree in Finance, Economics, Mathematics, Statistics, or a related field.
  • Advanced degree (M.S. or Ph.D.) in Finance, Economics, Statistics, Mathematics or a related quantitative field.
  • 10+ years of progressive experience in credit risk management, consumer or commercial lending, or portfolio analysis.
  • Strong knowledge of credit risk models and methodologies, statistical analysis, and experience with risk management platforms and tools.
  • Exceptional leadership skills with a proven track record of managing and developing high-performing teams in collaborative environments.
  • Demonstrated experience with regulatory compliance, governance frameworks, and risk management best practices in consumer lending.
  • Excellent communication skills with the ability to present and articulate complex credit and risk concepts to both technical and non-technical stakeholders.

Benefits

  • Competitive Wages
  • Health/Life Benefits
  • Health Savings Account plus Employer Seed
  • 401(k) Savings Plan with Company Match
  • Paid Parental Leave
  • Company Paid Holidays
  • Paid Time Off including Volunteer Time
  • Tuition Reimbursement
  • Business Casual Environment
  • Rewards & Recognition Program
  • Employee Assistance Program
  • Office in downtown Greenville that offers free parking, onsite gym, free snacks/drinks

Job title

VP, Credit Risk and Data Science

Job type

Experience level

Lead

Salary

Not specified

Degree requirement

Postgraduate Degree

Location requirements

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