Head of Credit

Hi, we're Brigit! A holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team! Brigit is doing innovative and exciting work, but don't just take our word for it, our work is being recognized by others: Built In's 2026 Best Midsize Companies to Work For in New York City Built In's 2025 Best Places to Work For In New York City Built In's 2024 & 2025 Best Startups to Work For In the U.S. Built In's 2023 - 2025 Best Startups to Work For In New York City Fast Company's Most Innovative Companies of 2022 Business Insider's Most Promising Consumer Startups 2022 Forbes Fintech 50 2022 Role Overview We are looking to hire a Head of Credit to expand and improve our underwriting capabilities and manage Brigit’s growing credit portfolio as we scale beyond cash advances into products such as a Line of Credit. This role requires deep experience in credit underwriting using alternative data (non-FICO, ideally cashflow–based) and strong judgment operating in near-prime to underserved consumer segments. Brigit’s underwriting platform adapts in near real time to changes in user behavior by leveraging bank transactional data, allowing us to both evaluate new applicants and continuously monitor the performance of our outstanding portfolio. The Head of Credit will own the strategy, performance, and outcomes of this system end-to-end. This is a senior, management-level role with direct accountability for credit risk outcomes. This individual will be a core thought partner to executive leadership, contributing to company-wide strategy, including product expansion, portfolio scaling, and capital efficiency. The role collaborates closely with Product, Data Science, Engineering, Finance, Legal, Compliance, Operations, Marketing, and Data, and is critical to Brigit’s ability to scale responsibly and profitably. What you’ll be doing Credit Strategy & Portfolio Ownership Own Brigit’s credit strategy end-to-end across products, including cash advance, Line of Credit, and any new credit products. Define and evolve underwriting frameworks, portfolio guardrails, and risk appetite, aligned with company growth and profitability goals. Lead portfolio management, including monitoring performance, loss curves, vintage analysis, stress testing, and cohort-level optimization. Incorporate macroeconomic signals into forward-looking strategy and make principled tradeoffs between growth, profitability, and risk. Product & Underwriting Partner with Product to design credit products using cash-flow data and alternative signals. Own credit policy design, experimentation, and iteration across the user lifecycle. Drive limits, eligibility strategies, and pricing to balance growth, risk, profitability, and customer outcomes. Partner with Finance on product valuation and unit economics. Work closely with Product and Marketing on the design and launch of new credit products, influencing product roadmap decisions where credit risk or unit economics are material. Modeling, Data & ML Collaboration Work closely with Data Science to build, deploy, and iterate on ML-driven underwriting and fraud models. Translate business objectives into model requirements and ensure strong post-deployment monitoring. Establish model governance, performance monitoring, and recalibration processes. Maintain a roadmap for underwriting and scoring improvements, including new data sources and techniques to improve approval rates while maintaining acceptable delinquency and loss levels. Fraud & Risk Controls Own credit-related fraud strategy, balancing prevention with approval rates and customer experience. Team Leadership & Execution Build, lead, and mentor a high-performing credit team across credit strategy and analytics. Define and manage to clear KPIs (e.g., approval rates, delinquency, contribution margin, etc.). Establish operating rhythms, dashboards, and decision-making frameworks. Stay hands‑on in execution, especially in the early stages of new product launches. Present credit performance, risk posture, and forward-looking insights to executive leadership. What you have 7+ years of experience in retail or consumer lending in a credit, risk management, or underwriting role Demonstrated ownership of credit strategy and portfolio performance for scaled consumer lending products Strong experience using alternative data for underwriting (non-FICO) ; bank transactional data experience is a significant plus Working experience with data science and machine learning concepts, including collaboration on model development and deployment Solid understanding of modeling and ML methods and tradeoffs (e.g., regression, classification, forecasting) Comfort writing, reviewing, or closely engaging with code (e.g., SQL, Python), particularly early on Experience in building and managing small to medium-sized teams Startup or high-growth fintech experience strongly preferred Experience working across credit, product, and analytics functions Strong interest in building fair, responsible credit products that improve customer outcomes The anticipated annual base salary for this position is $220,000 - $240,000. This range does not include any other compensation components or other benefits for which an individual may be eligible. Our Benefits & Team Medical, dental, and vision insurance Flexible PTO Policy 401k plan Paid Parental Leave Physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support Monthly reimbursements to use against wifi and cell phone bills Annual reimbursement for Learning & Development Help hard working Americans build a brighter financial future High-growth company A dynamic, flexible and collaborative start-up work environment with a highly talented team Brigit is committed to providing equal employment opportunities for all applicants and employees without regard to race, religion, color, sex, pregnancy (including breast feeding and related medical conditions), national origin, citizenship status, uniform service member status, age, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. We are proud to be an equal opportunity workplace. #J-18808-Ljbffr brigit