About the Role:
As Refyne's Chief Risk/Credit Officer, you'll architect and own our end-to-end risk and credit strategy from acquisition and underwriting to portfolio health, fraud, and collections. You'll be the steward of our balance between hyper-growth and impeccable asset quality, working shoulder-to-shoulder with the founders, product, data, and capital partners to build a category-defining, regulator-first franchise.
What You'll Own:
- Credit Strategy & Risk Appetite: Define and continuously refine risk appetite, segment strategies, and product-market fit for credit. Balance growth, losses, capital efficiency, and customer experience.
- Underwriting & Policy: Own credit policies, scorecards, and cutoffs across channels. Stand up test-learn-scale playbooks for new cohorts, employers, and products.
- Risk Analytics & Modeling: Lead development and governance of credit models, challenger scorecards, and early-warning systems. Turn raw data into crisp, actionable decisions.
- Portfolio Health & ECL: Track roll rates, vintages, cures, and loss forecasts. Drive provisioning frameworks and recommend pricing/limit/tenor actions that protect unit economics.
- Fraud & Identity: Build layered defenses across device, behavioral, and bureau signals. Own fraud playbooks, thresholds, and incident response.
- Collections & Recovery: Design humane, compliant strategies across buckets and channels. Optimize vendor networks, promises-to-pay, and cure rates while safeguarding brand trust.
- Regulatory & Governance: Anchor a regulatory-first culture. Chair/serve Credit & Risk Committees, codify policies/SoPs, and ensure airtight model governance and audit trails.
- Capital & Partner Management: Be the risk face to lenders, insurers, bureaus, and key ecosystem partners.
- Systems & Data: Partner with engineering to evolve LOS/LMS, decision engines, monitoring dashboards, and alerting. Ensure data quality, lineage, and observability.
- People & Org: Build and mentor a high-performing team across policy, analytics, fraud, and collections. Raise the bar on judgment, speed, and ownership.
- Board & Leadership: Present portfolio, risk outlook, and strategy to the Board and investors.
- Be the calm voice on crisis calls and the force that prevents them.
You'll Thrive Here If You Have:
- 1015+ years in consumer lending risk or credit at a high-growth fintech, NBFC, or bank with direct ownership of underwriting, portfolio, and losses.
- A track record of scaling portfolios while keeping loss metrics tight, and of launching new products/segments with discipline.
- Governance instincts: You know when to tighten and when to lean in and you build controls that are invisible to the user but rock-solid for regulators.
- Leadership & influence: You can rally product, engineering, growth, and collections around a shared risk thesis and change it fast when the market shifts.
- Bias for action: You move fast, measure, and iterate. Perfect is the enemy of portfolio health.
