[Hiring] Chief Credit Officer @Self Financial

Role Description

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings. We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.

Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

The Chief Credit Officer role sits at the center of that evolution.

Qualifications

• 10+ years in consumer credit risk, with meaningful time in fintech or direct-to-consumer lending.
• Direct, hands-on experience building and deploying ML/AI-based credit decisioning models.
• Fluency in capital markets and structured finance as they apply to consumer receivables.
• Proven track record in the near-prime, subprime, or credit-building segments.
• Deep working knowledge of CFPB, ECOA, FCRA, Fair Lending, and UDAAP as they apply to algorithmic underwriting.
• Strong leadership presence with the ability to operate as a peer to the CEO, CFO, and board.

Requirements

• Stand up a modern, ML-driven credit decisioning stack across the Self Credit Card.
• Partner with the CFO and capital markets team to translate credit performance and model transparency.
• Build the governance, documentation, and model risk management discipline required to run ML credit models.
• Lead, develop, and selectively upgrade the existing credit team.
• Own the end-to-end credit risk strategy across all Self products.
• Drive the design, training, validation, and deployment of ML-based credit models.
• Manage the performance of a multi-product receivables portfolio.
• Own credit policy end to end, with documentation and controls that meet regulatory standards.
• Direct collections strategy with the dual objective of minimizing losses and producing good outcomes for customers.
• Lead the existing credit organization and partner closely with other departments.
• Report regularly to the CEO and board on portfolio health, model performance, and strategic initiatives.

Benefits

• Company equity in the form of Stock Options.
• Performance-based bonuses.
• Generous employer-paid health, vision and dental insurance coverage.
• Flexible vacation policy.
• Educational assistance.
• Free gym membership.
• Casual dress code.
• Team building events and activities.
• Remote work arrangements/ flexible work schedule.
• Paid parental leave.