At Biz2Credit, we look for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward.

As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we are here to make that happen. That is why we are dedicated to developing cutting-edge solutions, like our Biz2X platform, a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible.

But we are more than just another FinTech company. We are a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that is why we value a culture that is inclusive and supportive. We are looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work.

So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit. 

About the Role

The role drives credit policy and strategy to optimize loss rates while balancing the growth, and reports to the Chief Credit Risk Officer. You will oversee a team of high-performing Risk and Data Science Analysts, both onshore and offshore, to translate credit risk ML/AI models into actionable credit risk policies, guardrails, and business strategies. You will own the strategic decisioning layers for underwriting, pricing, and limit calculations. to leverage and consume credit  risk ML and AI models to build and improve credit decision processes, policies, frameworks andcredit riskrelated to underwriting, pricing and limit/capacity calculations. You will ensure the credit policies are grounded in robust risk management principles, driving both innovation and stability.

Responsibilities

Credit Risk Strategy Development

· Design, execute, and monitor risk strategies across credit underwriting, credit limit assessments, pricing, and loss mitigation.

· Design and implement the decision logic for the automation of the Customer Journey, Underwriting cutoffs, and Credit Risk Frameworks.Collaborate with technology, data engineering, and product teams to continuously optimize workflows.

Credit Decisioning Analytics and Models

· Develop key analytical frameworks and structures to drive data driven credit risk strategies across the portfolio lifecycle

· Define the performance benchmarks for credit models and decide how model outputs are integrated into actual policy changes, cutoff strategies, and swap-set logic

· Evaluate new data sources and new data features to drive models and rules improvements that improve underwriting and delinquency management.

Team Leadership & Development

· Mentor and develop junior team members, fostering a high-performing credit risk team.

· Foster a collaborative and inclusive team culture that encourages creativity, critical thinking, and continuous learning.

· Define team goals, priorities, and performance metrics aligned with the company's strategic objectives.

Must Have 

· 8+ years of experience in banking or Fintech, in advanced analytical and data science skills to drive decision making and risk strategy optimization for either consumer or small business.

· 5+ years of experience in Risk First Line of Defense, in acquisition and underwriting risk strategy, and limit (or line) management.

· 3+ years of experience in managing a high-performing risk management team.

· 3+ years of close collaboration with key stakeholders, including executives, business leaders, and external partners, to understand business requirements, communicate insights, and influence decision-making

· Exceptional analytical and problem-solving skills with the ability to evaluate complex scenarios and drive data-driven decisions.

· Proven track record of working with data science teams and consuming credit models like probability of default (pD) model, limit assignment model, etc. into decision making.

· Ability to query and analyze data from internal databases using SQL or Python

· Strong conceptual understanding of statistical and machine learning models (XGBoost, Decision Trees) with an emphasis on how model drift and population shifts affect business KPIs and loss curves.

Good to Have 

· Exposure to lending to small-business is preferred

· Exposure to Generative AI/Agentic AI is preferred

· Familiarity with regulations and compliance in credit and lending industry