Happy Money

Head of Department

• Own credit and fraud strategy and policy across the customer lifecycle, from acquisition and underwriting through account management
• Set credit risk appetite and translate it into credit policy, approval criteria and loss targets
• Balance loss rates, approval rates and conversion to grow profitably
• Lead growth initiatives and a disciplined test-and-learn agenda with clear success metrics
• Own credit performance monitoring, vintage analysis, early-warning indicators, loss forecasting and model governance partnerships
• Identify emerging credit and fraud risks and implement timely policy and control changes
• Ensure policies meet regulatory, fair lending and partner requirements with Legal & Compliance
• Recruit, develop and lead credit, fraud and strategy professionals
• Build the mix of in-house talent, third-party partners and automation tools, including AI
• Establish operating rhythms including credit committee materials, portfolio reviews, knowledge bases and leadership updates
• Partner with executive leadership on company strategy, planning, growth targets and risk appetite
• Present performance, forecasts, risks and recommendations to executives, the Board and capital partners
• Collaborate with Pricing, Data Science, Data Strategy, Product, Engineering, Marketing, Operations, Capital Markets, Finance and Legal & Compliance
• Own the function’s analytics workflow, metrics, dashboards and reports
• Serve as senior credit contact for credit unions, banks and institutional investors
• Lead credit-related partner and investor due diligence, audits, reviews, forward flow, loan sale and financing discussions

Head of Credit & Fraud