Head of Credit & Fraud

Happy Money

. Own credit and fraud strategy and policy across the customer lifecycle, from acquisition and underwriting through account management .

Posted 9/30/2026full-timeRemote • United StatesLead💰 $220,000 - $260,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit and fraud strategy, policy development, and performance monitoring, with a strong focus on regulatory compliance and team leadership. Proven ability to analyze data, present strategic insights to executives, and drive growth initiatives in financial services.

Highest-signal resume keywords

Credit Risk StrategyFraud Risk ControlsTeam LeadershipData-Driven Decision MakingRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Policy DevelopmentLoss ForecastingVintage AnalysisModel GovernanceConsumer Lending RegulationData AnalysisCredit Performance MonitoringPortfolio ManagementCredit Program DesignAnalytics Workflow

Soft Skills

Cross-Functional CollaborationTrust BuildingFeedback CultivationPresentation SkillsPeople Management

Tools & Technologies

Automation ToolsAI ToolsDashboardsMetrics ReportingKnowledge Bases

Industry Keywords

Financial ServicesConsumer LendingFair LendingECOAFCRACredit UnionsCapital PartnersDue DiligenceLoan Sale ProgramsFintech

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

College degree in a quantitative discipline such as Economics, Finance, Engineering, Math, Statistics, Business, Science or Computer Science (or equivalent experience)
12+ years of experience in financial services
8+ years of credit risk experience, including direct ownership of credit strategy or credit policy decisions for a consumer lending portfolio
Experience owning or partnering closely on fraud risk strategy and controls
Proven track record of building, leading and developing high-performing teams, including remote, multidisciplinary teams
Demonstrated experience building trust across cross-functional teams and cultivating productive feedback
Experience presenting substantiating data-driven strategic decisions to C-suite executives, boards and external partners or investors
Direct experience working with capital partners, bank partners, lenders or investors on credit performance, due diligence or credit program design
Track record of working across Product, Engineering, Data Science and Operations to build and scale credit and fraud decisioning processes and systems
Working knowledge of consumer lending regulation, including fair lending (ECOA / Regulation B), FCRA and model risk management
Highly data driven, with technical fluency to challenge models, analyses and dashboards directly
Experience balancing individual contributions with people-management needs
Preferred: fintech or smaller financial services experience; unsecured consumer lending; bank or credit union partnership models, forward flow or loan sale programs; credit policy writing for new product launches; managing a consumer lending portfolio through a credit downturn; advanced degree

Benefits

Comp & perks

Generous medical, dental, and vision insurance options
Eligible for Annual Bonus
Eligible for Long-term Incentive Program
401k Plan with a matching contribution
Generous PTO including sick leave, vacation, volunteer, and more
12 Weeks Paid Parental Leave
Company-paid short & long term disability and life insurance
Monthly tech stipend to help cover expenses for remote work
100% fully distributed workforce