Manager Credit Risk - Loan

As a Credit Risk Manager, you will be responsible for leading the credit risk management function, ensuring the company’s Personal Loan portfolio is managed effectively to minimize risk and drive growth. This role requires strategic thinking and collaboration with senior leadership to drive risk management initiatives.Responsibilities:• Oversee the credit risk management strategy and execution for Credit Card and Personal Loan products.• Lead a small team of credit risk professionals in analyzing and managing risk in an evolving environment.• Develop and implement advanced credit risk models and frameworks.• Conduct in-depth data analysis to evaluate risk and performance metrics.• Build and maintain unit economic models to measure the profitability of credit risk initiatives.• Design and implement measured experiments to evaluate future policy expansions.• Prepare and present comprehensive risk reports to senior leadership.• Collaborate with executive management on strategic risk initiatives.• Monitor and respond to economic and industry changes affecting credit risk.• Develop and present business cases for new credit risk initiatives.• Mentor and develop credit risk team members.• Own and maintain the credit risk policy.• Dig into the data and perform hands-on analysis to support strategic decisions.• Develop strategy proposals and obtain approval for these proposals.• Cross functional leadership to implement new strategies and initiatives.Requirements:• Bachelor’s Degree in Finance, Economics, Math, Engineering, or related field (Master’s preferred).• 4+ years of credit risk management experience, with 1+ years in a management role, preferably in the credit card or personal loan industry.• Strong strategic thinking and analytical skills.• Proven ability to dig into data and perform hands-on analysis.• Excellent leadership and team development abilities.• Proficiency in SQL and Python, particularly for data analysis.• Exceptional communication and organizational skills.Check out our Avant Blog!We believe that a diverse set of backgrounds and experiences helps us create the most innovative solutions for our customers. We invite you to apply to our positions even if you do not meet 100% of the qualifications listed in the description. If you’re passionate about our mission and aligned to our values, we hope you’ll come contribute to our awesome culture.Why Avant is the place for you:At Avant, we believe our values make a difference:Authenticity. We show up to work as our whole selves and make sure others can too.Collaboration. We can only succeed when we do so as a team.Problem-Solving. The harder the problem, the more satisfying the solution.Customer. We are all owners of the customer experience.Initiative. Plan. Adapt. Get Sh!t Done.We believe that great ideas come from anyone and anywhere, that everyone is an owner who drives change, and that we have more fun when we work together. We're problem solvers who love collaborating with intelligent and highly-motivated people to reshape the face of digital banking. Avant offers terrific perks and benefits, fun social events with employees who actually like hanging out together, and a flexible growth environment where trying your hand at new projects and being the active owner of your career path is encouraged and supported.Some of our benefits include:• Choice of great Medical, Dental, and Vision Insurance Plan options• 401(k) Match• Unlimited Paid Time Off• Flexible Work Environment• Generous Paid Parental Leave• Lunch Allowance (Fooda) and In-office Snacks• WFH Stipends for our Remote Employees• Access to LinkedIn Learning for Professional Development• No Meeting Wednesdays - (a.k.a. planned time to Get Sh!t Done)• Summer Fridays• Fun In-Office and Virtual Social Events• And who doesn’t love the swag