Director, Lending & Credit Risk Analytics

Director, Lending & Credit Risk Analytics The Director of Lending & Credit Risk Analytics is a senior, customer-facing leader within ValidiFI’s Data Science organization, owning lending and credit risk interpretation across the company with a focus on non-prime and alternative credit use cases. This role operates with significant autonomy, serving as the day-to-day owner of lending analytics while partnering closely with the VP of Data Science on strategy and priorities. Responsibilities include overseeing analytics workflows across SQL-based data stores, Power BI reporting, and Excel-driven analysis, as well as driving insight-led enhancements to ValidiFI’s risk platform by shaping new features and models informed by lender needs, emerging data signals, and real-world decisioning gaps. Key responsibilities Lending & Credit Risk Leadership Serve as ValidiFI’s internal authority on lending, underwriting, fraud, and credit‑risk analytics, with deep domain fluency in non-prime and alternative lending Ensure analyses reflect how lenders actually evaluate risk, including loss exposure, fraud risk, approval and conversion lift, and early‑life performance indicators Act as the final interpretive checkpoint for customer‑facing lending analyses prior to delivery Review and approve analytical outputs for accuracy, relevance, and real‑world defensibility Customer Analytics Management Own prioritization, scoping, and execution of customer‑driven analytical requests Lead, mentor, and develop Customer Analytics team members (current and future) Establish repeatable analytical frameworks for common lending use cases (e.g., approval optimization, fraud segmentation, early delinquency indicators) Set standards for analytical rigor, documentation quality, and narrative consistency Cross-Functional Partnership Partner closely with Sales, Client Success, Product, and R&D on lender‑specific questions and insights Translate lender feedback into structured input for R&D, highlighting gaps between model output, lender interpretation, and real‑world decision constraints Influence product roadmap priorities and go‑to‑market messaging based on lender realities and market norms Strategic Platform Ownership Serve as the public and internal face of ValidiFI’s data studies and lending analytics strategy Drive conversations and recommendations around new or enhanced risk model features and capabilities Ensure consistency, credibility, and defensibility across all lender‑facing analytical work Qualifications: 7–10+ years of experience in lending, credit risk, fraud analytics, or financial risk Direct experience supporting banks, fintech lenders, or non‑prime / alternative credit providers Deep understanding of underwriting and credit policy design, fraud detection techniques, portfolio monitoring, and early‑risk indicators Familiarity with regulatory and compliance considerations relevant to lending Ability to combine quantitative outputs with real‑world lending judgment to produce conclusions that withstand scrutiny from both technical and business stakeholders Strong ability to translate complex analytics into clear, lender‑ready narratives Fluent in core data‑science concepts and metrics (e.g., AUC, KS, lift, stability, and model drift) Familiarity with analytical languages such as R (and similar tools) is beneficial but not required What you’ll get from us A team where you can make an impact, and where you and your experience are valued. We offer comprehensive compensation and healthcare packages, 401k matching, and flexible time off. No agencies please. ValidiFI provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin, citizenship, veteran’s status, age, disability status, genetics or any other category protected by federal, state, or local law. #J-18808-Ljbffr