Director of Credit Risk

About the Company Made’s mission is to help homeowners save time, money, and stress. It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home. We’re partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners. Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital , our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley . We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home. About the Role The Director of Credit Risk will play a critical role in shaping and leading Made Card’s credit risk strategy across the customer lifecycle. You’ll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio. This role also owns the development and tracking of credit models and will lead Made Card’s Decision Science practice. What You’ll Do Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ownership of implementation of said strategies directly in the risk decision engine. Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation. Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns. Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.) Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs. Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability. Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs. Risk operations: Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans. Ideal Background 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments. St