VP, Credit Risk & Analytics

Fundomate helps small businesses thrive by providing fast, accessible funding. As the VP, Credit Risk & Analytics, you’ll play a critical role in shaping our risk and pricing strategy to enable scalable, profitable growth. You’ll ensure our funding decisions are competitive, data-driven, and aligned with strong portfolio performance. You’ll drive impact across credit strategy, pricing, analytics infrastructure, and underwriting optimization-partnering closely with Finance, Product, Underwriting, Sales, and Data Science. Your work will directly influence how we grow our balance sheet responsibly while maintaining our commitment to service, integrity, and results. This role reports to the Chief Executive Officer and leads the Risk & Analytics function while influencing cross-functional stakeholders across the organization.

Here’s how your time might break down:

• Portfolio performance vs. return targets (IRR, loss rates, yield)
• Risk-adjusted revenue growth and approval rate optimization
• Pricing optimization competitiveness vs. market benchmarks
• Fraud detection effectiveness and loss mitigation
• Analytics adoption and data accessibility across teams
• Underwriting speed, efficiency, and scalability

• Credit, Pricing, and Fraud Strategy
• Own portfolio performance and adjust approval criteria to optimize risk and returns
• Evolve pricing strategies to balance competitiveness and profitability
• Lead fraud prevention efforts and improve detection frameworks
• Improve and scale a centralized analytics platform for company-wide insights
• Lead and prioritize analytics initiatives across departments
• Translate data into actionable insights that drive business decisions

• Process Improvement & Cross-Functional Impact
• Partner with Product to deliver automation and scalable underwriting workflows
• Collaborate with Underwriting, Sales, and Collections to improve decisioning and portfolio outcomes
• Influence risk strategy through data, trends, and continuous feedback loops

• You’re a Strong Fit If You
• Demonstrate strong analytical thinking and make data-driven decisions in complex environments
• Communicate clearly and effectively across technical and non-technical audiences
• Operate with an ownership mindset and bias toward action
• Thrive in fast-paced, high-growth environments where adaptability is essential
• Can balance strategic thinking with hands-on execution

• What You’ve Done Before
• Bachelor’s degree in Finance, Economics, Mathematics, or related field required; advanced degree (MBA, MS) preferred
• 8+ years of experience in credit risk within lending (small business lending or alternative finance preferred)
• Proven experience managing portfolio performance through varying macroeconomic cycles
• Demonstrated leadership experience managing analytics or risk teams
• Track record of building and evolving risk strategies in competitive, high-growth environments

• Tools And Expertise You’ll Bring
• Proficiency in SQL, Excel, and BI tools (e.g., PowerBI)
• Deep expertise in portfolio management, pricing strategy, IRR analysis, and unit economics
• Strong understanding of underwriting processes, risk modeling, and fraud detection
• Ability to design and scale analytics infrastructure and decisioning systems
• Experience partnering with Product and Data Engineering teams

• What To Expect From Our Interview Process
• We believe in a respectful, efficient, and transparent hiring experience. Here’s what you can expect:
• Step 1: Interview with Talent Acquisition
• Step 2: Interview with Leadership
• Step 3: Technical / Risk Strategy Interview
• Step 4: Cross-Functional Interview
• Step 5: Panel Interview
• Step 6: Final Interview with Senior Leadership

Benefits

• Competitive Pay
• Unlimited PTO
• Remote - Fully remote within the U.S.
• Full Benefits Package - Health, dental, vision
• Great team
• Ready to shape the future of Fundomate? Apply today and let’s build something extraordinary together!