Director, Credit Risk Analytics & Capital Markets

Responsibilities

• Credit Analytics & Portfolio Risk Management
• Develop and enhance analytical frameworks to assess portfolio credit quality, monitor portfolio performance, and surface emerging credit trends.
• Partner with Capital Markets, Finance, and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin.
• Track macroeconomic, industry, and market developments and assess their potential impact on portfolio performance and credit risk.
• Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development, validation, and enhancement efforts.
• AI-Driven Credit Underwriting Strategy
• Lead the exploration and practical development of Credit Risk's AI and advanced analytics strategy to strengthen underwriting, risk assessment, and portfolio management capabilities.
• Identify, evaluate, and integrate alternative internal and external data sources to enhance borrower assessment, risk identification, and predictive model performance.
• Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows, enhance signal detection, and improve speed-to-insight and execution.
• Drive automation of underwriting processes to improve decision speed, consistency, operational efficiency, and scalability.
• Capital Markets Support
• Partner with Capital Markets and Finance teams to support securitizations, warehouse facilities, whole-loan sales, and other structured finance transactions.
• Translate credit forecasts, portfolio performance, and strategic initiatives into clear, investor-focused narratives and capital markets communications.
• Design and maintain a suite of BAU reporting and analytics to support investor relations, transaction execution, and ongoing capital markets activities.
• Own Credit Enhancement projections in partnership with the Loss Forecasting team, proactively identifying risks, opportunities, and key drivers impacting Credit Enhancement liability.

Requirements

• 8+ years of experience in credit risk analytics, credit strategies, or quantitative risk management or related financial services disciplines.
• 5+ years of leadership experience managing analytics, data science, or credit risk functions.
• Strong knowledge of consumer lending (Personal loans, HELOC)
• Proven track record leading strategic transformation initiatives and cross-functional programs.
• Advanced analytical skills (SQL, Python, or similar).
• Ability to translate complex analytical concepts into actionable business recommendations.
• Strong analytical, problem solving and communication skills.
• Strategic thinker with strong business acumen and executive presence.
• Strong stakeholder management skills across executive leadership, investors, regulators, and external partners.
• Preferred:
• Experience supporting Capital Markets function at a fintech.
• Demonstrated experience deploying AI/ML solutions in lending, underwriting, or risk management environments.
• Strong knowledge of Debt Settlement business.
• All your information will be kept confidential according to EEO guidelines.
• Achieve well-being with:
• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups
• We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.
• Salary Range: $240,000 - $270,000 + bonus + benefits.
• This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.
• Join Achieve, change the future

Benefits

Additional Information

We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities, with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors, turning complex risk models and portfolio performance into a clear, compelling growth narrative for the investment community. This leader will drive strategic initiatives that enhance risk-adjusted returns, improve underwriting efficiency, strengthen investor confidence, and support scalable growth. This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills.

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