Director of Credit Risk Strategy

About Biz2Credit

At Biz2Credit, we are on a mission to change the lending landscape for small businesses. Our purpose is to help small business owners achieve their dreams by providing the right tools and support. We believe that with the right technology, lending can be more efficient, effective, and accessible. This drive led to the creation of Biz2X, a fully configurable SaaS solution leveraging artificial intelligence and machine learning to revolutionize how credit is extended.

We are more than just a FinTech company; we are a team of individuals who bring unique personalities, backgrounds, and experiences to work every day. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do. We value a culture that is inclusive and supportive, believing that diversity makes us stronger. We are looking for people who are eager to make a difference, thrive in an environment that is both challenging and fun, and are ready to bring their whole selves to work.

About the Role

This role is pivotal in driving credit policy and strategy to optimize loss rates while balancing business growth. Reporting directly to the Chief Credit Risk Officer, you will oversee a high-performing team of Risk and Data Science Analysts, both onshore and offshore. Your primary mission is to translate complex credit risk ML/AI models into actionable credit risk policies, guardrails, and business strategies.

You will own the strategic decisioning layers for underwriting, pricing, and limit calculations. The role requires leveraging and consuming credit risk ML and AI models to build and improve credit decision processes, policies, and frameworks. You will ensure that all credit policies are grounded in robust risk management principles, successfully driving both innovation and stability within the organization.

Join Our Team

If you are eager to join a company making a real impact, value a positive and inclusive workplace culture, and are ready to be part of a team changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit.

Equal Opportunity Employer

We are committed to building a diverse and inclusive workforce. We consider qualified applicants regardless of background, identity, or experience. We believe that a culture of inclusion and support is essential to our success and to the success of the small businesses we serve.

Work location

Work model: On-site

Mas Tacos, 2, West 33rd Street, Chelsea District, Manhattan Community Board 5, Manhattan, New York County, New York, 10121, United States

New York, New York

Key Responsibilities

check_circleDesign and execute risk strategies for credit underwriting, limit assessments, pricing, and loss mitigation
check_circleDefine performance benchmarks for credit models and integrate outputs into policy changes and cutoff strategies
check_circleEvaluate new data sources and features to improve underwriting and delinquency management models
check_circleMentor and develop junior team members to foster a high-performing credit risk team
check_circleDefine team goals, priorities, and performance metrics aligned with company strategic objectives
check_circleCollaborate with technology and data engineering teams to optimize credit decision workflows
check_circleDevelop decision logic for customer journey automation, underwriting cutoffs, and credit risk frameworks

Requirements

verified8+ years of experience in banking or Fintech
verified5+ years of experience in Risk First Line of Defense
verified3+ years of experience in managing a high-performing risk management team
verified3+ years of close collaboration with key stakeholders
verifiedAbility to query and analyze data using SQL or Python
verifiedStrong conceptual understanding of statistical and machine learning models (XGBoost, Decision Trees)
verifiedExposure to lending to small-business preferred
verifiedExposure to Generative AI/Agentic AI preferred
verifiedFamiliarity with regulations and compliance in credit and lending industry

Nice to Have

Exposure to lending to small-business. Exposure to Generative AI/Agentic AI. Familiarity with regulations and compliance in credit and lending industry.

Company

Biz2Credit

Industry

Financial Services

Headquarters

New York, New York

Open Roles

We Know What It Takes to Run A Small Business. Funding what's next! Leading the #FinTech Revolution.

Biz2Credit operates within the financial services industry, with headquarters located in New York, New York. The organization specializes in providing automated funding solutions for small business owners by utilizing data analytics, cash flow insights, and advanced technology. Since its inception, the company has facilitated more than $8 billion in loans and financing for entrepreneurs. The firm maintains a global workforce of over 550 employees, including engineers, data scientists, and marketing professionals dedicated to developing next-generation lending solutions. Beyond direct lending, Biz2Credit developed the Biz2X Platform, a software solution enabling financial institutions to launch their own online lending initiatives. Major banks such as HSBC, Oriental Bank, and TATA Capital have selected this platform to power their digital lending programs. The company secured $52 million in Series B funding in 2019 to support its growth and technology expansion. Biz2Credit has received multiple industry recognitions for its performance and workplace culture. The company was named to the Inc. 5000 list in 2020, 2021, and 2022, and appeared on the Deloitte Technology Fast 500 in 2016, 2017, 2018, and 2022. Additional accolades include the Inc. Magazine Private Titans award in 2020, MUSE Creative Awards in 2020 and 2022, Great Place to Work designations from 2019 through 2022, American Banker Best Places to Work in Fintech in 2022, and a Finovate Award in 2021.

Frequently asked questions about Director of Credit Risk Strategy at Biz2Credit

What does a Director of Credit Risk Strategy at Biz2Credit do?expand_more

In this Director of Credit Risk Strategy at Biz2Credit role, you will design and execute risk strategies for credit underwriting, limit assessments, pricing, and loss mitigation; define performance benchmarks for credit models and integrate outputs into policy changes and cutoff strategies; evaluate new data sources and features to improve underwriting and delinquency management models; and mentor and develop junior team members to foster a high-performing credit risk team.

What are the requirements for this Director of Credit Risk Strategy role?expand_more

To qualify for the Director of Credit Risk Strategy at Biz2Credit position, applicants should have: 8+ years of experience in banking or Fintech; 5+ years of experience in Risk First Line of Defense; 3+ years of experience in managing a high-performing risk management team; 3+ years of close collaboration with key stakeholders; Ability to query and analyze data using SQL or Python; and Strong conceptual understanding of statistical and machine learning models (XGBoost, Decision Trees).

Where is the Director of Credit Risk Strategy role at Biz2Credit located?expand_more

Director of Credit Risk Strategy at Biz2Credit is based in Mas Tacos, 2, West 33rd Street, Chelsea District, Manhattan Community Board 5, Manhattan, New York County, New York, 10121, United States. This is a on-site role.

Is this Director of Credit Risk Strategy job remote, hybrid, or on-site?expand_more

Biz2Credit has listed this Director of Credit Risk Strategy role as on-site.

How much experience is required for this Director of Credit Risk Strategy role?expand_more

Director of Credit Risk Strategy at Biz2Credit typically requires 8+ years of relevant experience at the lead level.

What skills do you need for the Director of Credit Risk Strategy role at Biz2Credit?expand_more

Key skills for Director of Credit Risk Strategy at Biz2Credit include Artificial Intelligence; Machine Learning; ML; Ai; SQL; Python; Xgboost; and Decision Trees.

What category does the Director of Credit Risk Strategy role belong to?expand_more

Director of Credit Risk Strategy at Biz2Credit is part of the accounting & finance job category on Recrutus.

About Biz2Credit

Beyond direct lending, Biz2Credit developed the Biz2X Platform, a software solution enabling financial institutions to launch their own online lending initiatives. Major banks such as HSBC, Oriental Bank, and TATA Capital have selected this platform to power their digital lending programs. The company secured $52 million in Series B funding in 2019 to support its growth and technology expansion.

Biz2Credit has received multiple industry recognitions for its performance and workplace culture. The company was named to the Inc. 5000 list in 2020, 2021, and 2022, and appeared on the Deloitte Technology Fast 500 in 2016, 2017, 2018, and 2022. Additional accolades include the Inc. Magazine Private Titans award in 2020, MUSE Creative Awards in 2020 and 2022, Great Place to Work designations from 2019 through 2022, American Banker Best Places to Work in Fintech in 2022, and a Finovate Award in 2021.

Browse more roles: All Biz2Credit jobs, accounting & finance jobs on Recrutus.

About Biz2Credit

About the Role

Join Our Team

Equal Opportunity Employer

Work location

Key Responsibilities

Requirements

Nice to Have

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Frequently asked questions about Director of Credit Risk Strategy at Biz2Credit

About Biz2Credit

Skills Required