Senior Director Credit Risk

• Oversee the strategy and execution of Neo’s one or more of Neo’s consumer credit risk functions in order to effectively enable sound strategies to manage risk and profitability
• Identify opportunities to grow our lending businesses, including growth and optimization of existing products, new card launches, and new lending product development
• Work closely with Credit Risk and Collections internal counterparties (Products, Tech, Growth, Finance) to ensure that policies and strategies are aligned with Neo’s corporate goals
• Develop and oversee the creation of credit risk and lending models, tools, systems, and processes to enable effective and scalable decision-making throughout the company, providing critical risk information and insights to all relevant stakeholders (Board, investors, CEO, senior management team, etc.)
• Identify and ensure the development & maintenance of the required operational reporting to ensure tracking of the performance of our credit risk and collections strategies relative to internal targets and external benchmarks
• Manage relationships with credit risk counterparts at Neo’s third party funders, cultivating trust and strong working relationships needed for Neo to achieve its growth objectives
• Develop and maintain a strong interaction with 2nd and 3rd lines of defense in complying with Neo’s risk appetite
• Grow Neo's capabilities in industry leading risk management practices by staying up to date on emerging trends and technologies and adopting them where appropriate
• Work with the management team to develop and execute corporate strategy and business plans to ensure that the company attains its short and long-term growth objectives
• Provide a risk lens and thought leadership on strategic opportunities to grow and scale the business that balances Neo’s growth objectives with its risk tolerance
• Manage all credit risk and loss mitigation strategies and operations for the company, ensuring effective end to end lifecycle management of our customers
• Lead the development and oversight of strategic initiatives that enhance credit risk management performance
• Manage and support cross functional initiatives, including large scale implementations, to ensure projects have adequate credit risk representation and leadership
• Evaluate, improve and help build cross-company processes that are efficient and scalable
• assist with crafting and realizing company policies and procedures that institutionalize proper controls
• Collaboration with key stakeholders across the organization to integrate foundational risk practices
• Represent Neo and its interest across industry consortiums and working groups

• A minimum of 7 years of extensive senior leadership experience in leading and developing consumer credit risk functions at a fast-growing organization, preferably within the tech space
• Extensive knowledge of and experience with consumer credit risk management and loss mitigation
• Excellent communication skills
• ability to develop concise summaries of complex analyses and data appropriate for various levels of consumption ranging from board members to team members across the company
• Commercial orientation with P&L understanding of Consumer lending products
• A business leader with strong experience building and scaling a risk team
• Experience overseeing complex projects through completion
• Entrepreneurial DNA - comfortable building a business from the ground up, making decisions in the face of ambiguity (but make data-driven decisions when possible) and dealing with major challenges along the way with poise
• Strategic thinker with a strong ‘business sense’
• Excellent EQ - managing relationships with a large external network of partners, as well as building and managing an internal team

All team members have a stake in Neo’s success and earn meaningful equity through stock options