VP of Credit

About the role

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 leader will own credit strategy, portfolio performance, underwriting and fraud across the business, and help shape company strategy, and long-term product direction.

Responsibilities

• Own Brigit’s credit strategy end-to-end across products, including cash advance, Line of Credit, and any new credit products.
• Define and evolve underwriting frameworks, portfolio guardrails, and risk appetite, aligned with company growth and profitability goals.
• Lead portfolio management, including monitoring performance, loss curves, vintage analysis, stress testing, and cohort-level optimization.
• Incorporate macroeconomic signals into forward-looking strategy and make principled tradeoffs between growth, profitability, and risk.
• 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.
• Collaborate closely with Data Science to build, deploy, and iterate on ML-driven underwriting and fraud models.
• Translate business objectives into model requirements and ensure strong post-deployment monitoring.
• Establish model governance, performance monitoring, and recalibration processes.
• 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.
• Own credit-related fraud strategy, balancing prevention with approval rates and customer experience.
• Strategic Judgment & Ambiguity: 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.
• Team Leadership & Execution: Build and lead a high-performing credit organization across strategy, portfolio management, underwriting, and risk operations.
• Develop strong operating rhythms, governance frameworks, and scalable decision-making processes.
• Define and manage to clear KPIs (e.g., approval rates, delinquency, contribution margin, etc.).
• Establish operating rhythms, dashboards, and decision-making frameworks.
• Stay hands-on in execution, especially in the early stages of new product launches.
• Present credit performance, risk posture, and forward-looking insights to executive leadership.

Requirements

• 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.
• Startup or high-growth fintech experience strongly preferred.
• Experience working across credit, product, and analytics functions.
• Strong interest in building fair, responsible credit products that improve customer outcomes.
• Experience leading and developing high-performing credit and risk teams.
• Experience influencing executive-level decisions in fast-moving environments.
• Demonstrated ability to balance growth, profitability, and risk.
• Experience operating in high-growth fintech or evolving lending environments.

Qualifications

• Master’s degree in finance, statistics, computer science, or a related field.
• Proven track record of success in credit underwriting and portfolio management.
• Experience with data science and machine learning concepts, including collaboration on model development and deployment.
• Ability to make principled tradeoffs between growth, profitability, risk, and customer outcomes.
• Strong interpersonal and communication skills to collaborate effectively with cross-functional teams.
• Ability to lead and inspire a high-performing team.

Skills

• Strong analytical and problem-solving skills.
• Experience with credit scoring and risk assessment tools.
• Knowledge of regulatory compliance and consumer protection laws.
• Experience with data visualization tools and platforms.
• Ability to communicate complex financial concepts to non-financial stakeholders.

Benefits

Medical, dental, and vision insurance
Flexible PTO Policy
401k plan
Paid Parental Leave
Physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support
Annual reimbursement for Learning & Development
Help hard working Americans build a brighter financial future
High-growth company
Dynamic, flexible, and collaborative start-up work environment with a highly talented team

Pay

The anticipated annual base salary for this position is $270,000 - $290,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below).

Schedule

We are open to remote candidates, but candidates located in the New York City or San Francisco Bay Area are preferred to support hybrid in-person collaboration with team members.