Vice President or Senior Director, Credit Risk Job at KOHO

Job Description

KOHO is seeking an exceptional leader in Credit Risk who combines strategic vision with hands-on execution to lead and scale our credit risk management function. In this role, you’ll define the credit risk vision, drive strategy across product lines, and ensure robust risk practices are embedded into our decisioning, analytics, and operations. You will build and lead a high-performing team of risk professionals and collaborate with cross-functional partners to drive innovation in credit risk management practices.

Job Responsibility

Architect and execute KOHO’s credit risk strategy across all lending products
Build and scale teams, managing multiple levels of talent responsible for credit risk modeling, strategy, reporting, and governance
Design and implement credit policies, underwriting guidelines, and credit lifecycle strategies (origination, limit management, collections, and recovery)
Define and monitor key credit risk metrics, portfolio trends, and early warning indicators
Drive data-driven decision-making in product development, pricing, and growth initiatives
Lead credit risk governance and deliver strategic insights to internal and external stakeholders including the Board, risk committees, and investors
Partner with Finance on portfolio forecasting and debt facility management
Lead regulatory examinations and maintain relationships with regulators on credit risk matters
Ensure audit readiness and regulatory compliance, including IFRS9 reporting and credit loss provisioning
Present to and advise the Board Risk Committee on credit portfolio performance, emerging risks, and strategic initiatives
Own budget accountability for the credit risk function
Establish strategic partnerships with credit bureaus, data providers, and risk technology vendors
Foster a culture of ownership, continuous improvement, and cross-functional collaboration
Mentor and develop future credit risk leaders across the organization

Requirements

15+ years of experience in credit risk, including 7+ years in a leadership role
Extensive expertise in consumer credit risk across the lifecycle—preferably in fintech, challenger banks, or alternative lending environments
Proven track record building credit risk functions through high growth phases
Experience managing managers and directors across modeling, strategy, and risk analytics
Expert knowledge of credit data, scoring systems, and risk governance frameworks
Proven track record influencing senior stakeholders and working cross-functionally
The ability to communicate complex credit risk concepts to diverse audiences
Hands-on experience with risk infrastructure, decision engines, and reporting tools
Excellent written and verbal communication skills with the ability to present to the Board and executive leadership
Passion for developing inclusive teams and mentoring talent

What we offer

Competitive compensation & equity
Fantastic, Deeply Engaged Team
Generous vacation + Wellness days + Flex Days + holiday closure
Remote-first environment + coworking support + yearly all hands retreat
Access to coaching & growth programs
Parental top-up & leave policies
Comprehensive health benefits
Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

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Vice President or Senior Director, Credit Risk

Job Description

Job Responsibility

Requirements

What we offer

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