SVP of Credit Risk

New York
Full-Time
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Summary

Responsible for developing, maintaining, and growing Sable’s credit portfolio by operating and improving Sable's credit scoring and supporting oversight of the companies fraud prevention models.

Job Description:

New York Based (Remote up for discussion)

Own, build out, and run Sable’s credit risk strategy, policies, and underwriting model

  • Analyze the effectiveness of existing models/scorecard while designing and building out the day 1 and V2 credit risk underwriting / decisioning model, policies and rule based scorecards
  • Make appropriate non systemic credit decisions based on Sable's credit policies
  • Support debt and capital market relations and fundraise
  • Develop underwriting testing strategy (for fair lending etc)
  • Design credit model/performance monitoring and reporting strategy, infrastructure, and processes
  • Outline roadmap for evolution of model
  • Build out the appropriate pricing model
  • Help assess, discover, and test alternative data points to use for underwriting / risk
  • Create backtesting model to mimic/demonstrate performance / create analogues for future debt raise
  • Research and develop fraud identification and prevention solutions and processes and ensure appropriate cross-functional support to deal with systematic and malicious fraud events

Experience:

5+ yrs consumer credit policy experience at reputable financial lender (Established or fintech)

Direct experience building and running a day 1 credit risk decisioning model / rule based scorecards

  • Lending to thin credit files, with success in using alternative data to underwrite
  • Developing an underwriting backtesting strategy (for fair lending etc)
  • Designing performance monitoring and reporting infrastructure, and processes
  • Working with data science (A Plus)
  • Building out and running fraud prevention policies, processes, vendors relations (A Plus)

What We Offer:

  • Competitive Salary + Equity package
  • Top notch premium medical, dental, and vision Coverage
  • Strong mentor network of investors and Y Combinator alums and advisors
  • Opportunity to grow with Sable and potentially build your own team
  • Flexible vacation policy
  • A challenging and fulfilling opportunity to work for a fast paced startup to grow the business from the ground up and create an impactful change for millions

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