Made Card

Made Card

Director of Credit Risk

New York City · Director

Sponsorship not specified$100k-$110kDetected 31 days ago
PythonExpressSQLLeadershipUnderwriting

About the role

  • The Director of Credit Risk will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle.
  • Have complete ownership of implementation of said strategies directly in the risk decision engine.
  • Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections

Responsibilities

  • Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation.
  • Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.
  • Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.
  • Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.
  • You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio.
  • Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation.
  • Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.
  • Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.
  • Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.

Requirements

  • 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments.
  • Hands-on experience with credit risk models and credit bureau data (traditional and alternative).

Nice to have

  • Experience in fintech, credit cards, real estate, or home services.
  • Familiarity with compliance-heavy or regulated marketing environments.
  • Passion for credit cards, rewards, or homeownership-related products.
  • Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

Skills

  • Made’s mission is to help homeowners save time, money, and stress.

Compensation

  • Competitive salary with a meaningful stake in the company via equity
  • Mortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners
  • Play Together: Quarterly budgets for team and company outings. Use it for team swag, cooking classes, or team dinners!
  • Throughout the interview process, please remember that emails will only be from madecard.com emails.
  • We won't ever be asking for any personally identifiable information during the interview process itself.
  • Please reach out to talent@madecard.com if you have any requests to verify the authenticity of an outreach.

Benefits

  • Compensation: Competitive salary with a meaningful stake in the company via equity
  • Grow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
  • Mortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners
  • Generous Time Off: Flexible paid time off, sick days, and 11 company holidays

Company info

  • It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases.
  • Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most.
  • By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home.
  • We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey.
  • These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners.
  • Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley.
  • We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home.
  • Quarterly budgets for team and company outings.
  • Use it for team swag, cooking classes, or team dinners!

Equal opportunity

  • Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace.
  • equal opportunity employer that is committed to diversity and inclusion in the workplace.
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This listing is sourced directly from Made Card's careers page and normalized into a canonical job model.