Director, Credit Risk Analytics & Capital Markets
About The Position
We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities, with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors, turning complex risk models and portfolio performance into a clear, compelling growth narrative for the investment community. This leader will drive strategic initiatives that enhance risk-adjusted returns, improve underwriting efficiency, strengthen investor confidence, and support scalable growth. This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills.
Requirements
- 8+ years of experience in credit risk analytics, credit strategies, or quantitative risk management or related financial services disciplines.
- 5+ years of leadership experience managing analytics, data science, or credit risk functions.
- Strong knowledge of consumer lending (Personal loans, HELOC)
- Proven track record leading strategic transformation initiatives and cross-functional programs.
- Advanced analytical skills (SQL, Python, or similar).
- Ability to translate complex analytical concepts into actionable business recommendations.
- Strong analytical, problem solving and communication skills.
- Strategic thinker with strong business acumen and executive presence.
- Strong stakeholder management skills across executive leadership, investors, regulators, and external partners.
Nice To Haves
- Experience supporting Capital Markets function at a fintech.
- Demonstrated experience deploying AI/ML solutions in lending, underwriting, or risk management environments.
- Strong knowledge of Debt Settlement business.
Responsibilities
- Develop and enhance analytical frameworks to assess portfolio credit quality, monitor portfolio performance, and surface emerging credit trends.
- Partner with Capital Markets, Finance, and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin.
- Track macroeconomic, industry, and market developments and assess their potential impact on portfolio performance and credit risk.
- Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development, validation, and enhancement efforts.
- Lead the exploration and practical development of Credit Risk’s AI and advanced analytics strategy to strengthen underwriting, risk assessment, and portfolio management capabilities.
- Identify, evaluate, and integrate alternative internal and external data sources to enhance borrower assessment, risk identification, and predictive model performance.
- Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows, enhance signal detection, and improve speed-to-insight and execution.
- Drive automation of underwriting processes to improve decision speed, consistency, operational efficiency, and scalability.
- Partner with Capital Markets and Finance teams to support securitizations, warehouse facilities, whole-loan sales, and other structured finance transactions.
- Translate credit forecasts, portfolio performance, and strategic initiatives into clear, investor-focused narratives and capital markets communications.
- Design and maintain a suite of BAU reporting and analytics to support investor relations, transaction execution, and ongoing capital markets activities.
- Own Credit Enhancement projections in partnership with the Loss Forecasting team, proactively identifying risks, opportunities, and key drivers impacting Credit Enhancement liability.
Benefits
- 401 (k) with employer match
- Medical, dental, and vision with HSA and FSA options
- Competitive vacation and sick time off, as well as dedicated volunteer days
- Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
- Pet care discounts for your furry family members
- Financial support in times of hardship with our Achieve Care Fund
- A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups
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What This Job Offers
Job Type
Full-time
Career Level
Director
Education Level
No Education Listed
