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About the Role

The Director of Credit Risk will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle. You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio. This role also owns the development and tracking of credit models and will lead Made Card’s Decision Science practice.

Responsibilities

• Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth.
• Deploy test and learn mechanisms.
• Have complete ownership of implementation of said strategies directly in the risk decision engine.
• Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation.
• Design pricing and credit limit frameworks to maximize risk-adjusted returns.
• Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.)
• Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.
• Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.
• Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.
• Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans.

Requirements

• 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments.
• Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections.
• Hands-on experience with credit risk models and credit bureau data (traditional and alternative).
• Strong technical acumen: pull data, analyze, create KPIs, create reporting tools.
• Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

Skills

• Python
• SQL

Location

• Remote

Work Type

• Full-time

Experience Level

• Director

Salary/Compensations

• $100,000–$110,000

Benefits

• Competitive salary with a meaningful stake in the company via equity
• Comprehensive medical, dental, & vision benefits
• Learning & development opportunities including regular review cycles that feature 360 degree feedback
• Up to $25,000 toward closing costs of a new mortgage
• Quarterly budgets for team and company outings
• Flexible paid time off, sick days, and 11 company holidays

About the Company

• Made’s mission is to help homeowners save time, money, and stress.
• Made Card is a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases.
• Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most.
• By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home.
• We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey.
• These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners.
• Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley.
• We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home.

Equal Opportunity

• Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace.
• We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.
• Made Card makes hiring decisions based solely on qualifications, merit, and business needs at the time.