Credit Risk Manager

Are you EPIC? 

Do you have the ability to demonstrate, understand and apply HFD’s core purpose and values in all that you do? At HFD our core purpose is to help the underserved live healthier. In order to accomplish this mission, we must ensure that our team is aligned with our?E.P.I.C.?values: 

• Excellence: Always exceeding expectations! 
• Passionate: Executing with boldness! 
• Innovative: Pioneering a better way! 
• Collaborative: Together we win! 

The EPIC Credit Risk Manager we are looking for: 

Will be reporting to the Credit Risk Officer. This position will be responsible for credit origination policies, fraud prevention strategies, customer segmentation, and risk-based pricing. You will work closely with data science, product, compliance, and finance teams to enhance risk models, optimize portfolio performance, and ensure regulatory compliance. This role requires a deep understanding of fintech risk management, data analytics, and automation to enable scalable and sustainable growth. 

As a Credit Risk Manager, you will:

? Design and implement credit risk policies for new and existing customers, balancing growth and risk.

? Establish credit approval criteria, leveraging alternative data sources and automated underwriting processes.

? Continuously refine loan origination and credit decisioning strategies based on risk performance insights.

? Develop and maintain fraud prevention strategies to detect and mitigate identity fraud, transaction fraud, and synthetic identities.

? Oversee and enhance KYC (Know Your Customer) and AML (Anti-Money Laundering) frameworks, ensuring compliance with regulatory requirements.

? Collaborate with data science and engineering teams to implement AI-driven fraud detection models.

? Develop and optimize risk segmentation models to differentiate customer creditworthiness and tailor lending decisions.

? Leverage machine learning and alternative data (e.g., open banking, behavioral data) for enhanced risk assessment.

? Continuously refine risk-based customer lifecycle strategies (e.g., approval, limit assignment, and collections).

? Implement risk-based pricing models, ensuring competitive and profitable credit offerings.

? Work with finance and product teams to optimize interest rates, fees, and credit terms based on customer risk profiles.

? Monitor portfolio performance and adjust pricing strategies to align with market trends and risk appetite.

? Conduct deep-dive analysis of credit portfolio performance, identifying trends, anomalies, and risk concentrations.

? Build and refine loss forecasting models to predict charge-offs, delinquency rates, and expected credit losses.

? Implement proactive risk mitigation strategies to optimize portfolio health and business profitability.

? Ensure compliance with lending regulations such as FCRA, ECOA, Basel III, GDPR, and other applicable laws.

? Partner with compliance teams to align credit risk strategies with regulatory reporting and governance frameworks.

? Maintain proper documentation and policies to support audits, risk reviews, and board reporting.

? 5+ years in credit risk management, preferably in fintech, digital lending, BNPL, credit cards, or payments.

? Bachelor’s in Finance, Economics, Statistics, Mathematics, or a related field (Masters/MBA is a plus).

? Strong proficiency in SQL, Python, R, or other data analytics tools for risk analysis.

? Experience with credit scoring models, customer segmentation, and loss forecasting.

? Knowledge of fraud detection tools, KYC/AML frameworks, and transaction monitoring systems.

? Familiarity with financial regulations and compliance frameworks.

? Ability to interpret complex data and translate insights into actionable risk strategies.

? Proven ability to work cross-functionally with product, engineering, finance, and compliance teams.

? Ability to thrive in a fast-paced fintech environment with rapidly evolving challenges.

? Ability to pay close attention to detail and be self-motivated 

? Ability to multitask and excel in a fast-paced environment

? Beginner / Intermediate proficiency in Microsoft excel

Benefits 

• Medical, Dental, Vision Insurance 
• 401k with 4% company match 
• Time off: Unlimited PTO, 6 days of paid sick time, plus 6 paid holidays and 1 floating Holiday. 
• EPIC company culture 

*Up to 20% Bonus tied to Metrics