Director of Credit Risk

About the Company Made’s mission is to help homeowners save time, money, and stress. It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home. We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners. Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley. We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home. About the Role The Director of Credit Risk will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle. You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio. This role also owns the development and tracking of credit models and will lead Made Card’s Decision Science practice. What You’ll Do • Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ownership of implementation of said strategies directly in the risk decision engine. • Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation. • Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns. Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.) • Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs. • Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability. • Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs. • Risk operations: Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans. Ideal Background • 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments. • Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections • Hands-on experience with credit risk models and credit bureau data (traditional and alternative). • Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus) • Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders. We understand that not everyone comes from a traditional background. If you are a rockstar with a non-traditional path, we'd love to talk to you! Nice to Have • Experience in fintech, credit cards, real estate, or home services. • Familiarity with compliance-heavy or regulated marketing environments. • Passion for credit cards, rewards, or homeownership-related products. Benefits • Base Compensation Band: $100,000–$110,000 (determined by experience, qualifications, and location) • Compensation: Competitive salary with a meaningful stake in the company via equity • Health & Well-being: We’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits • Grow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback • Mortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners • Play Together: Quarterly budgets for team and company outings. Use it for team swag, cooking classes, or team dinners! • Generous Time Off: Flexible paid time off, sick days, and 11 company holidays Throughout the interview process, please remember that emails will only be from madecard.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@madecard.com if you have any requests to verify the authenticity of an outreach. Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Made Card makes hiring decisions based solely on qualifications, merit, and business needs at the time. Please mention the word **PEACEABLE** and tag RMTMuMjE4Ljc0LjIxNg== when applying to show you read the job post completely (#RMTMuMjE4Ljc0LjIxNg==). This is a beta feature to avoid spam applicants. Companies can search these words to find applicants that read this and see they're human.