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Oscilar Logo Oscilar · Finance

Senior Credit Risk Solutions Specialist

· Job Posted February 18, 2026
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Job Description

We are seeking an experienced Credit Risk Solutions Specialist to be our subject matter expert for credit decisioning. In this hands-on role, you'll design and implement credit workflows, configure decisioning strategies, and serve as a trusted advisor to our customers. You'll work at the intersection of credit expertise and cutting-edge AI technology, helping lenders modernize their underwriting while maintaining responsible lending practices.

Job Responsibility

  • Build end-to-end credit decisioning workflows using Oscilar's platform for various lending products
  • Configure credit scorecards, policy rules, and decision strategies for customer implementations
  • Design integrations with credit bureaus, bank data providers, and alternative data sources
  • Create reusable templates for common credit use cases (personal loans, BNPL, SMB lending)
  • Test and validate credit workflows ensuring accuracy and compliance
  • Document credit solutions and create implementation guides
  • Work hands-on with customers to implement credit decisioning strategies
  • Configure AI models for income verification, affordability assessment, and risk scoring
  • Troubleshoot credit workflow issues and optimize performance
  • Collaborate with engineering on credit-specific feature requirements
  • Ensure implementations meet regulatory requirements (FCRA, ECOA)
  • Support POCs and pilot programs with prospective customers
  • Serve as credit expert during customer onboarding and implementation
  • Conduct training sessions on credit best practices and platform capabilities
  • Advise customers on optimizing approval rates while managing risk
  • Participate in pre-sales discussions as the credit domain expert
  • Create knowledge base articles and credit strategy guides
  • Gather customer feedback to inform product roadmap

Requirements

  • 5-8 years of hands-on experience in credit risk, underwriting, or lending operations
  • Direct experience implementing or managing credit decisioning systems
  • Background working with credit bureaus, scorecards, and policy rules
  • Experience in fintech, digital lending, or credit technology preferred
  • Track record of successful customer implementations or consulting
  • Strong understanding of credit decisioning workflows and underwriting logic
  • Experience with credit data sources (bureaus, bank data, alternative data)
  • Proficiency in data analysis and basic SQL for credit portfolio analysis
  • Familiarity with credit regulations and fair lending requirements
  • Understanding of credit scoring models and risk segmentation
  • Knowledge of API integrations and data mapping
  • Deep knowledge of consumer and/or SMB lending products
  • Understanding of credit metrics (approval rates, default rates, vintage analysis)
  • Familiarity with modern underwriting approaches (cash flow, BNPL, thin-file)
  • Knowledge of regulatory requirements across different states/regions
  • Experience with multiple lending verticals is a plus

Nice to have

  • Experience with credit platforms (Provenir, GDS Link, Zest AI)
  • Background in specific verticals (embedded lending, neobanks, BNPL)
  • Basic Python/R for credit analysis
  • Experience building ML models in credit decisioning
  • Relevant certifications or advanced degree in finance/risk

What we offer

  • Competitive salary and equity packages, including a 401k plan
  • Remote-first culture — work from anywhere
  • 100% Employer covered comprehensive health, dental, and vision insurance with a top tier plan for you and your dependents (US)
  • Unlimited PTO policy
  • AI First company
  • both Co-Founders are engineers at heart
  • and over 50% of the company is Engineering and Product
  • Family-Friendly environment
  • Regular team events and offsites
  • Unparalleled learning and professional development opportunities
  • Making the internet safer by protecting online transactions
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