• Director of Credit Policy & Analytics

    Job ID
    7700 Windrose Ave.
  • Overview and Responsibilities

    This is a key leadership role with significant and broad responsibilities. This role will report to the Head of Credit Policy and Analytics and lead a 2-3 person credit policy and analytics team with substantial opportunity for future growth within the company in concert with driving business expansion. As the Director responsible for developing credit policy and managing credit performance, you will be a key thought leader on all credit strategy and decisions and have significant input into all lending decisions and balance sheet performance. You will work closely with finance, operations and external partners to collaborate on broader strategic initiatives and shape the direction and growth of the overall business in a collaborative dynamic team environment. Strategic decisions will require balancing growth, risk and profitability. Job responsibilities are as follows:


    • Develop automated underwriting strategies that integrate robust analytical techniques in addition to feedback from manual underwriters and the salesforce. Maintain transparent communication and trust with all key stakeholders.
    • Responsible for credit strategy, underwriting policies and risk management including the ownership of credit rating systems, credit frameworks, and the underwriting process. 
    • Continuously challenge and enhance underwriting policies and scorecards through analysis of customer behavior data and sophisticated statistical and financial modeling. 
    • Develop alternative credit scoring solutions based on traditional bureau attributes and novel approaches to leveraging proprietary and other data beyond the credit bureau. 
    • Maintain a rigorous performance monitoring framework and associated management dashboards that readily highlight areas of confidence and areas in need of further evaluation for resolution of concerns or exploitation of opportunities. 
    • Establish a robust infrastructure and plans that prudently test and learn into new acquisition and loan decision strategies. Similarly enable efficient diagnosis of root cause for variance from performance expectations.
    • Develop and maintain a robust economic framework that will serve as the foundation for business decision-making.
    • Ensure credit risk policy remains compliant with all applicable laws and regulations.


    • Experience of 6-10 years in the unsecured credit space including credit cards or installment lending at a sophisticated issuer of unsecured revolving and term loans. 
    • Familiarity with statistical modeling and forecasting, portfolio P&L simulation, vintage profitability tracking and marginal expansion strategies. 
    • Strong communication and presentation skills, leadership skills, a high level of initiative, intellectual curiosity and creativity, and a robust understanding of the consumer lending business that includes the various facets of a specialty lending operation.
    • Bachelor’s degree in a technical discipline is required, advanced degree is attractive.


    We offer a competitive compensation and benefits package including: 

    • Health/Dental/Vision
    • Paid Vacation
    • 401 (K) and employer match
    • Company provided Life Insurance & Long Term Disability

    Additional benefits with Republic include:

    • Regular drawings for sports tickets
    • Employee of the Month Program
    • Philanthropic support for charities such as Juvenile Diabetes Research Foundation and the American Cancer Society
    • Professional offices with a friendly team environment


    Republic Finance, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, sex, color, religion, national origin, age disability or veteran status in employment opportunities and benefits. Republic Finance, LLC maintains a Drug-Free Workplace.  


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