Brigit

VP of Credit

New York City (Hybrid) · Vp

Sponsorship not specifiedDetected 166 days ago

PythonSQLMachine LearningData ScienceA/B TestingProduct ManagementProduct StrategyForecastingValuationLoad TestingLeadershipCollaborationUnderwriting

About the role

Brigit's underwriting platform adapts in near real time to changes in user behavior by leveraging bank transactional data, allowing us to both evaluate new applicants and continuously monitor the performance of our outstanding portfolio.
This is a senior, management-level role with direct accountability for credit risk outcomes.

Own Brigit's credit strategy end-to-end across products, including cash advance, Line of Credit, and any new credit products.
Lead portfolio management, including monitoring performance, loss curves, vintage analysis, stress testing, and cohort-level optimization.
Partner with Finance and executive leadership on capital efficiency, loss forecasting, and long-term portfolio economics.
Partner with Product to design credit products using cash-flow data and alternative signals.
Own credit policy design, experimentation, and iteration across the user lifecycle.
Drive limits, eligibility strategies, and pricing to balance growth, risk, profitability, and customer outcomes.
Partner with Finance on product valuation and unit economics.
Work closely with Product and Marketing on the design and launch of new credit products, influencing product roadmap decisions where credit risk or unit economics are material.
Work closely with Data Science to build, deploy, and iterate on ML-driven underwriting and fraud models.
Maintain a roadmap for underwriting and scoring improvements, including new data sources and techniques to improve approval rates while maintaining acceptable delinquency and loss levels

9+ years of experience in retail or consumer lending in a credit, risk management, or underwriting role
Success in this role requires strong judgment, comfort operating under uncertainty, and the ability to make principled tradeoffs between growth, profitability, risk, and customer outcomes.

This role requires deep experience in credit underwriting using alternative data (non-FICO, ideally cashflow-based) and strong judgment operating in near-prime to underserved consumer segments.

Define and evolve underwriting frameworks, portfolio guardrails, and risk appetite, aligned with company growth and profitability goals.

9+ years of experience in retail or consumer lending in a credit, risk management, or underwriting role
Demonstrated ownership of credit strategy and portfolio performance for scaled consumer lending products
Strong experience using alternative data for underwriting (non-FICO); bank transactional data experience is a significant plus
Solid understanding of modeling and ML methods and tradeoffs (e.g., regression, classification, forecasting)
Comfort writing, reviewing, or closely engaging with code (e.g., SQL, Python), particularly early on
Experience in building and managing small to medium-sized teams

Medical, dental, and vision insurance
Flexible PTO Policy
Paid Parental Leave
Annual reimbursement for Learning & Development
A dynamic, flexible and collaborative start-up work environment with a highly talented team

We are looking to hire a VP of Credit to lead the next phase of Brigit's credit evolution as we expand from cash advances into broader credit products, including Line of Credit and future lending offerings.
This individual will be a core thought partner to executive leadership, contributing to company-wide strategy, including product expansion, portfolio scaling, long-term risk management, and capital efficiency.

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This listing is sourced directly from Brigit's careers page and normalized into a canonical job model.