Senior Director, Credit Risk and Analytics

Deel · United States · 3 days ago

RemoteRemoteFinance$11.2/hrFull-time

About the role

Lead and scale the Credit Risk & Analytics function driving AI/ML-based underwriting, real-time portfolio monitoring, collections strategy, and risk-adjusted performance across Deel’s portfolio. You’ll build predictive, real-time analytics systems, operationalize models with Product & Engineering teams, and embed governance and compliance into every step. Your work will shape underwriting strategy, support sustainable growth, and serve overlooked segments.

Responsibilities

Build and maintain a credit risk analytics capability to provide timely, actionable insights for portfolio optimisation, loss forecasting, and provision adequacy.
Lead iterative development of underwriting and pricing models - from evaluating AI/ML algorithms, sourcing alternative data to production deployment and continuous optimization with cross-functional partners.
Identify and integrate non-traditional data sources (e.g., transactional, behavioural) to boost predictive accuracy and credit access for underserved markets.
Architect real time monitoring frameworks and automated alerting systems for portfolio health, KRIs, concentration exposure, and collections performance.
Ensure proactive risk identification for new products, markets, or customer segments.
Design and execute A/B testing frameworks for new underwriting/scoring criteria, pricing, and customer segments.
Develop and implement credit risk governance processes, including Credit Committees, actionable reporting and escalation protocols.
Ensure models and analytics pipelines are auditable, scalable, deployment-ready, and aligned with best practices.
Collaborate with Product, Sales, Operations, Compliance, and Engineering to align underwriting strategy with business objectives and economic levers.
Predictive analytics to improve collections strategy, focusing on customer outcomes and recovery efficiency.
Enable risk-awareness and analytics literacy across teams via workshops, training, and documentation.

Requirements

A minimum of 15 years in credit risk management, including leadership roles in consumer and small business lending.
Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.
Experience leveraging alternative data sets for Consumer and SME lending.
Demonstrated success in managing credit risk for new products, markets, and customer segments.
Strong leadership, with ability to train non-technical stakeholders in analytics and risk concepts.
Degree in Finance, Economics, Risk Management, Statistics, or related field; Master’s preferred.
Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage.

Skills and Competencies

A minimum of 15 years in credit risk management, including leadership roles in consumer and small business lending.
Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.
Experience leveraging alternative data sets for Consumer and SME lending.
Demonstrated success in managing credit risk for new products, markets, and customer segments.
Strong leadership, with ability to train non-technical stakeholders in analytics and risk concepts.
Degree in Finance, Economics, Risk Management, Statistics, or related field; Master’s preferred.
Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage.

Total Rewards

Your offer will be localized to your country's currency using a market-aligned conversion. Final pay is based on objective, job-related criteria including experience, skills, and location. We don't ask about salary history. Offers are based on the role and what you bring to it.

Some things you'll enjoy:

Stock grant opportunities dependent on your role, employment status and location
Additional perks and benefits based on your employment status and country
The flexibility of remote work, including optional WeWork access