Vice President of Analytics

Job Description

Job Description

Vice President of Analytics

Location: Southfield, MI (Hybrid)

Employment Type: Full-time

Who We Are

A Top Place to Work! We believe in small businesses and the people who grow them. At Credibly, we leverage cutting-edge data science, technology, partner relations, and customer support to provide business owners with accelerated access to right-sized capital solutions. From working capital loans and merchant cash advances to business lines of credit, we offer a suite of financing products that can accommodate nearly any stage of business development or credit profile. 

Founded in 2010 with offices in Michigan, New York, and Arizona, we have provided access to over $3.1 billion to more than 61,000 small businesses nationwide. Credibly has been named one of Crain’s 50 fastest-growing companies in New York, made multiple appearances on the Inc. 500 list, and was recently recognized as a Top 25 Lending Technology Company by The Financial Technology Report . 

The Opportunity

The Vice President of Analytics will report directly to the Chief Data and Analytics Officer (CDAO) and serve as a core leader within our Risk Analytics and Data Science organization.

We are seeking a commercially minded, business-driven analytics executive who understands how to turn quantitative credit insights into profitable commercial growth. You will bridge advanced credit risk analytics with commercial execution, leveraging predictive models and data-driven testing to optimize conversion, control credit loss curves, and unlock originations volume. If you know how to increase approval rates while keeping credit loss below plan, this role is built for you.

What You Will Do:

• Drive Profitable Lending Growth: Own the commercial analytics agenda optimizing conversion, credit loss, and risk-adjusted margins. Lead analytics initiatives that directly drive acquisition volume, optimize pricing, and increase automated approval rates without worsening portfolio loss performance.
• Lead Portfolio Health & Loss Forecasting: Deliver an authoritative, real-time view of Credibly’s small-business credit portfolio health. Build and manage accurate loss, recovery, delinquency, and revenue forecasting frameworks to inform risk appetite, reserve planning, and executive decision-making.
• Direct & Develop a High-Performing Global Team: Lead, mentor, and expand a high-caliber team of 7–10+ Data Analysts (onshore and offshore). Champion talent development through active hiring, hands-on coaching, clear feedback, and promotion pathways.
• Translate Models into Business Decisions: Collaborate across Underwriting, Sales, Finance, Product, and Technology to turn AI and machine learning models into operational credit policies, automated decision rules, and test-and-learn champion/challenger strategies.
• Partner with Data Science & Platform Teams: Work closely with specialized Data Science counterparts (Risk Modeling, Pricing, and Automation Solutions) to ensure models translate seamlessly into production workflows and meet business objectives.
• Pioneer Practical AI Workflows: Champion modern, AI-forward ways of working across the analytics team—leveraging tools like Claude and automated LLM data workflows to accelerate ad-hoc analysis, code development, synthesis, and reporting turnaround.
• Ensure Trusted Analytics: Elevate data management, transparent documentation, and analytical integrity to ensure stakeholders at all levels trust our portfolio metrics and decision engines.

What Makes You Special:

• 15+ Years in Lending / FinTech Analytics: Direct, progressive experience in credit and portfolio risk analytics at a lender, bank, or FinTech platform. Hands-on experience in: credit underwriting analytics, portfolio monitoring/health, and credit loss forecasting. Experience in commercial or small-business (SMB) lending is strongly preferred.
• Business-First Analytics Leadership: Proven track record as a business decision-maker who uses data to drive growth, rather than a career data platform engineer, model developer, model risk validator, or pure governance officer. You must point to concrete growth outcomes (e.g., expanded origination volume, improved approval rates with stable default, launched new credit products).
• 8+ Years Managing Analytics Teams: Demonstrated success directly leading and scaling teams of 7–10+ analysts or data scientists, with proven experience managing both onshore and offshore resources and developing talent into senior roles.
• Technical Credibility Without the Need to Code Daily: Strong technical grounding in SQL and Python. While this is an executive leadership role, you must be comfortable inspecting code, evaluating analytical methodologies, and guiding technical staff.
• AI-Forward Mindset in Practice: Active, practical familiarity with generative AI tools (e.g., Claude, Microsoft Copilot, OpenAI, prompt workflows) applied to code productivity, data synthesis, or analytical automation.
• Education: Master’s degree in Statistics, Mathematics, Economics, Engineering, or related field. (A Bachelor’s degree in a quantitative field coupled with significant, demonstrably senior risk analytics experience will also be considered.)
• Location: Southfield, Michigan (hybrid)

How You Will Benefit:

• Flexible hybrid working conditions (Michigan)
• Generous Paid Time Off (PTO) package and 8 paid company holidays
• Paid Parental Leave, Bereavement, and Jury Duty
• 401(k) with company match (100% vesting after 2 years)
• Comprehensive medical coverage through BCBSM or BCN; dental and vision via BCBS
• HSA and FSA options (including LPFSA and Dependent Care)
• Company-paid life insurance and short-term disability
• Additional optional supplemental insurance options