BMG Money

Underwriter

• Develop, implement, and manage comprehensive new account credit underwriting and risk-based pricing strategies aligned to performance, growth, and profitability targets.
• Own the credit policy suite, including segmentation, decision logic, exposure limits, pricing tiers, and exception frameworks.
• Define and refine risk appetite, incorporating credit performance data, regulatory expectations, and partner bank requirements.
• Build and lead a structured testing roadmap (A|B tests, champion|challenger, multivariate experiments) to optimize credit and pricing outcomes.
• Translate credit strategies into clear technical requirements for Engineering to implement within BMG Money’s platform and rules engine.
• Conduct UAT and validation testing to ensure implemented strategies match policy intent.
• Perform deep-dive analytics on credit performance (approvals, delinquencies, loss curves, profitability, and yield) to continuously refine strategy.
• Partner with Decision Sciences to explore new data sources and enhance credit decision quality.
• Collaborate closely with Fraud Strategy to create cohesive decision flows that integrate credit risk and fraud risk mitigation.
• Act as the credit lead in governance meetings (risk committee, pricing committee, partner bank reviews).
• Partner with Compliance and Legal to ensure adherence to regulatory expectations and underwriting governance standards.
• Maintain strong relationships with partner banks, communicating credit strategies, updates, performance insights, and risk posture.
• Develop and manage key performance metrics and dashboards to track credit and pricing performance.
• Monitor portfolio trends and emerging risks, recommending necessary adjustments to maintain credit quality.
• Conduct root cause analysis for changes in performance or strategy breakdowns.
• Work with Product and Engineering to support credit logic implementation, rule enhancements, and platform improvements.
• Provide subject matter expertise during audits, regulatory exams, and partner bank reviews.
• Support operations, collections, and customer success teams with policy clarifications, and operational insights.

Director of New Account Underwriting – Pricing

Manager

• Lead the end-to-end management of customer complaints—from intake through investigation, resolution, and follow-up—with a relentless focus on speed, empathy, and accuracy.
• Design and enforce a standardized complaint triage and resolution process that ensures real-time visibility and ownership across functions.
• Embed clear communication protocols to ensure customers receive timely, transparent, and compliant responses aligned with BMG’s service values.
• Serve as the enterprise escalation leader for urgent, high-risk, or high-impact customer issues.
• Establish rapid-response workflows and escalation alerts that ensure senior awareness and swift decision-making for complex complaints.
• Partner closely with Customer Service and Collections leadership to ensure escalations are handled consistently, with clear root-cause documentation and feedback loops into operations.
• Ensure every complaint is processed in full compliance with CFPB, FDCPA, Reg F, UDAAP, and relevant state regulations.
• Maintain audit-ready documentation and traceability for all cases.
• Collaborate with Legal and Compliance to interpret evolving regulations and proactively adjust internal procedures to remain best-in-class.
• Conduct structured root-cause analysis to identify recurring failure points and emerging customer pain trends.
• Develop actionable improvement plans with accountable owners across Operations, Product, and Risk.
• Establish a closed-loop feedback model where insights from complaints directly inform process redesign, training priorities, and control enhancements.
• Partner with analytics teams to automate complaint trend reporting and monitor the impact of remediation initiatives.
• Deliver executive-ready reports on complaint volumes, timeliness, outcomes, and root-cause categories to WebBank, regulators, and internal leadership.
• Translate data into insights that illuminate systemic risk, operational inefficiencies, and customer experience gaps.
• Serve as a champion of the Voice of the Customer, ensuring complaint learnings inform enterprise strategy, policy, and frontline coaching.
• Lead and develop a team of complaint management professionals, fostering a culture of customer advocacy, accountability, and continuous learning.
• Promote behaviors that value accuracy, empathy, and proactive resolution.
• Model high judgment, sound decision-making, and operational discipline.

Senior Manager, Enterprise Complaint Management

Data Scientist

• Develop, validate, and support the deployment of predictive models and machine learning algorithms, ensuring they meet rigorous standards for accuracy and business relevance.
• Collect, process, and analyze massive volumes of structured and unstructured data, providing technical expertise within key data domains.
• Design and deliver insightful dashboards, reports, and data visualizations for business, product, and technology stakeholders, clearly articulating findings and their implications.
• Proactively identify patterns, trends, and business opportunities hidden within the data, translating findings into proposed solutions and actionable analysis.
• Support other data-driven projects such as fraud detection and portfolio analysis.
• Ensure compliance with regulatory requirements and internal policies related to credit risk modeling.
• Collaborate closely with product, engineering, and business teams to integrate data-driven solutions into production systems.
• Ensure the quality, consistency, and integrity of all utilized datasets and contribute to establishing best practices for data quality.
• Mentor junior data analysts on best practices for data cleaning, modeling techniques, and analytical rigor.
• Research, evaluate, and apply new data analysis techniques, tools, and technologies (e.g., cloud platforms, new programming libraries).
• Stay current with the latest technological advancements in the Data Science field to recommend process and equipment improvements.
• Provide hands-on support and guidance to junior analysts, ensuring access to high-quality, well-structured data sources.
• Support the manager on all related matters, discussing complex issues and recommending well-researched solutions to inform procedural and strategic actions.

Senior Data Scientist

• Execute and oversee the end-to-end process for bank account administration across all legal entities, including opening, closing, and updating accounts and services.
• Maintain meticulous and up-to-date records of all account mandates, authorized signatories, and banking documentation (KYC/AML) to ensure compliance and audit readiness.
• Manage daily cash positioning and short-term liquidity related to loan collections, disbursements, and funding activities.
• Analyze bank fee structures and negotiate service agreements to ensure the company receives optimal value from its banking partners.
• Act as the primary liaison between the company (specifically the Servicing and Technology teams) and external banks/payment processors.
• Lead the due diligence, negotiation, and implementation of new payment products and banking services to enhance the Servicing team's operational capabilities.
• Translate Servicing and business requirements into technical specifications for banking and payment system integrations, coordinating closely with internal IT and external vendor teams.
• Serve as the Treasury Subject Matter Expert (SME) on cross-functional Servicing team projects, providing operational support, guidance on payment flows, and regulatory adherence for new loan products or system implementations.
• Proactively identify and resolve complex, high-impact payment and banking-related issues that affect the Servicing team's ongoing operations.
• Develop and maintain clear documentation for all treasury processes and payment workflows utilized by the Servicing department.
• Provide support within the Treasury team as needed relating to liquidity forecasting, cash management, and collateral management.

Treasury Manager

Email Marketing Manager

• Develop and own the end-to-end email marketing strategy, including segmentation, A/B testing, personalization, and journey mapping.
• Define clear eligibility rules and criteria for various customer segments (e.g., pre-qualified leads, refinance prospects, inactive users) to ensure the right message reaches the right audience at the right time.
• Establish and monitor key performance indicators (KPIs) across all email campaigns.
• Conduct in-depth analysis of email performance, providing actionable insights to continuously optimize programs and increase ROI.
• Lead the execution of all email campaigns, including promotional, lifecycle, transactional, and trigger-based emails.
• Write comprehensive creative briefs for all email campaigns, clearly outlining target audience, key messages, required assets, and legal disclaimers.
• Manage the email calendar, ensuring timely delivery and proper coordination with creative, content, and data teams.
• Oversee the health of our email list, focusing on deliverability, inbox placement, and data hygiene.
• Write and maintain clear Business Requirements Documents (BRDs) that effectively translate marketing strategy into detailed technical specifications for new email features, platforms, and integrations.
• Serve as the primary liaison between the Marketing team and the Product and Technology teams to define, prioritize, and implement technical requirements for the email marketing stack (ESP, data connectors, automation workflows, etc.).
• Participate in and oversee User Acceptance Testing (UAT) for new email features, ensuring functionality meets the original business requirements and delivers a flawless customer experience.

Email Marketing Lead

• Lead all aspects of credit bureau reporting, ensuring data accuracy, timeliness, and regulatory compliance across reporting cycles.
• Define and maintain end-to-end reporting processes, including logic, validation, quality control, and audit readiness. Promote continuous improvement through standardized workflows and documentation.
• Oversee the intake, investigation, and resolution of disputes and reporting defects. Establish scalable processes, SLAs, and cross-functional escalation paths to ensure timely corrections.
• Serve as business lead for CBR-related systems and platform transitions. Partner with technology teams to ensure tools and data pipelines support accurate and compliant reporting.
• Implement controls to validate reporting integrity and flag anomalies. Build dashboards and tools to monitor success rates, disputes, and exceptions.
• Maintain expertise in FCRA, Metro2, and CDIA standards. Ensure reporting practices align with laws and bureau guidelines and proactively address risks.
• Serve as the subject matter expert, partnering with compliance, legal, operations, product, analytics, and engineering teams to drive alignment and operational excellence.
• Provide hands-on leadership to ensure the program operates in a steady, auditable state. Represent the function in audits, leadership updates, and bureau interactions.

Senior Manager, Credit Bureau Reporting

Project Manager

• Lead end-to-end delivery of strategic projects with a focus on scope, timeline, cost, and quality.
• Define project objectives, milestones, deliverables, and success metrics.
• Develop and maintain detailed project plans, resource allocation, and risk management strategies.
• Ensure project management and execution best practices are followed.
• Manage multiple concurrent projects in a fast-paced, high-growth environment.
• Collaborate with cross-functional teams (Product, Engineering, Risk, Compliance, Legal, etc.).
• Act as the main point of contact between internal teams and external vendors/partners.
• Regularly communicate status updates, roadblocks, and critical decisions to executives and stakeholders.
• Facilitate meetings, demos, retrospectives, and workshops to ensure alignment and transparency.
• Identify, assess, and mitigate risks, especially those related to financial regulations (e.g., KYC, AML, PCI-DSS).
• Partner with Legal and Compliance to ensure adherence to industry standards and policies.
• Drive a culture of continuous improvement by identifying inefficiencies and proposing process enhancements across project delivery workflows.
• Conduct post-project reviews (retrospectives) to capture lessons learned and apply insights to future initiatives.
• Collaborate with peers and cross-functional teams to standardize project management practices and promote knowledge sharing.
• Recommend improvements to tools, templates, and methodologies to increase team efficiency and project transparency.

Senior Project Manager

Account Manager

• Lead channel growth strategy across all online marketplaces from partner sourcing and negotiation to launch, optimization, and reporting.
• Design, develop, and execute a comprehensive affiliate marketing strategy that aligns with company goals for customer acquisition, brand awareness, and revenue targets.
• Continuously analyze market trends, competitor strategies, and emerging opportunities to keep the program at the forefront of the industry.
• Partner with the CMO and executive team to define marketplace priorities within the broader omnichannel growth strategy.
• Identify, recruit, and onboard high-value partners, including content publishers and comparison sites.
• Cultivate and maintain strong, senior-level relationships with key partners to maximize their engagement and performance.
• Negotiate favorable terms, including commission structures and placement fees, to ensure a healthy and sustainable ROI.
• Lead quarterly business reviews and performance reports for executive stakeholders.
• Own the performance of the affiliate channel, regularly tracking and reporting on key metrics such as CPL, CPA, LTV, and ROI.
• Utilize data-driven insights to optimize campaigns, identify areas for improvement, and make informed decisions on budget allocation.
• Ensure all reporting and analysis is accurate and effectively communicated to leadership and cross-functional teams.
• Serve as the primary liaison for the affiliate channel, collaborating closely with internal teams including Product, Legal, Compliance, Finance, Analytics, and Brand Marketing.
• Ensure all affiliate campaigns and content are brand-aligned, compliant with financial regulations, and support broader company initiatives.
• Lead, mentor, and develop a high-performing team of affiliate managers.
• Foster a culture of accountability, continuous learning, and innovation.

Director, Affiliate Marketing Partnerships

• Serve as the first analytics leader within the product team and report to the VP of Product.
• Serve as a strategic analytics partner to senior leadership to shape product roadmap priorities using a data-driven approach.
• Design core frameworks for tracking, measurement, KPI design, and overall data strategy for product performance.
• Conduct advanced, hands-on analyses of user behavior, funnels, feature adoption, and engagement trends.
• Support A/B experimentation and establish best practices for test-and-learn culture.
• Partner with data engineering to build, deliver, and maintain dashboards and reporting tools enabling self-service and executive visibility.
• Audit and improve event tracking, data quality, and product instrumentation in collaboration with engineering.
• Establish and document the foundational analytics framework that future analysts will build on.

Director of Product Analytics

• Support the end-to-end sales lifecycle of new strategic partners
• Develop a growing pipeline of partnership opportunities in key industries that will be leveraged by Revenue’s senior management to sell and close new deals
• Perform market research on key industry verticals to measure/size growth opportunities for D2C customer acquisition
• Track and report sales activity, key performance metrics, and general updates for executive review and visibility
• Perform initial due diligence and facilitate applicable compliance and legal review of pre-partnership deliverables
• Act as a liaison of the Revenue team, working cross-functionally with Marketing, Product, Operations, Compliance, and Legal departments to execute on key initiatives
• Execute on ad hoc projects and initiatives that contribute to the Company’s overall commercial brand and profitability

Strategic Partnerships Specialist

Operations

• Develop and execute fraud and funds flow risk strategies aligned with the company’s growth agenda.
• Anticipate how fraud patterns may evolve as new consumer finance products are introduced.
• Build dashboards and KPIs that track anomalies (refund-to-source integrity, velocity/structuring, cross-border flows).
• Leverage machine learning and AI modeling to enhance detection, predict emerging fraud typologies, and continuously strengthen defenses.
• Own operational fraud detection and resolution processes across application, funding, repayment, and refunds.
• Ensure strong preventative controls (refund-to-source enforcement, debit card ownership validation, automated deduction stops).
• Implement monitoring and exception reporting (rail mismatches, shared identifiers, dormant account exploitation).
• Partner closely with Enterprise Controls and Payments (for execution across ACH, debit, payroll, wallets) while owning the operational fraud decisioning and monitoring layer.
• Stand up and scale a fraud operations team: recruit, coach, and grow diverse talent.
• Deploy leading fraud tools and vendor solutions that extend across fraud + AML use cases.
• Embed fraud and AML controls into new product launches and market entries, ensuring scalability from the outset.
• Ensure compliance with regulatory expectations (CFPB, FDCPA, TCPA, BSA/AML).
• Prepare leadership and Board reporting on fraud/financial crime risk posture and emerging vulnerabilities.
• Serve as advisor to senior leadership on fraud and payments risk strategy as products expand.
• Establish “one-to-one traceability” as a cultural principle: funds in must equal funds out, with no breaks in attribution.

Senior Manager, Fraud Operations

General Counsel

• Serve as Commercial Counsel reporting to the Chief Legal Officer; second dedicated legal hire.
• Oversee BMG Money’s commercial contracting function and manage high volume of partnership, vendor, master service, and licensing agreements.
• Draft, review, and negotiate commercial agreements and handle a range of operational documents within the contract management system.
• Advise on brand collaborations, channel expansion, and growth into new products and markets.
• Manage complex vendor and partnership agreements; enhance contract playbooks and lifecycle processes.
• Act as a trusted advisor to senior leadership, providing proactive legal support and translating complex legal concepts into practical guidance.
• Proactively identify and address legal risks associated with company growth.
• Collaborate with cross-functional teams across product, compliance, finance, engineering, marketing, production, and supply chain to align legal priorities with business objectives.

Commercial Counsel

Product Operations

• Reports to: Head of Product
• Sit at the intersection of product, operations, and data to equip product teams with insights, systems, and processes
• Partner with product managers to operationalize roadmaps, improve feature rollouts, and monitor performance post-launch
• Analyze product performance metrics and user behavior to identify opportunities for iteration or innovation
• Identify bottlenecks across business workflows (sales, customer service, compliance, etc.) and recommend scalable solutions
• Act as a liaison between product, operations, compliance, and credit risk teams
• Create and manage documentation that captures core processes, team workflows, and key initiatives
• Help establish KPIs and track performance across product and business units
• Drive product feedback loops, aligning customer insights with development priorities
• Assist leadership with special projects and high-priority strategic initiatives

Product Operations Analyst

• Senior Manager of Payment Processing to lead and evolve the payments function for the personal loan line of business.
• Lead the end-to-end payment processing function for personal loans, including ACH, card payments, wires, and other payment methods.
• Oversee daily reconciliation, exception handling, and resolution of payment discrepancies.
• Establish and enforce SLAs, KPIs, and quality standards to ensure operational excellence.
• Manage relationships with key payment processors, banks, and third-party vendors.
• Evaluate, implement, and optimize payment platforms, AI tools, and automation solutions to increase efficiency and reduce risk.
• Partner with IT and Product to ensure seamless integration between core systems and payment platforms.
• Ensure payment processing practices adhere to applicable laws, NACHA rules, card network regulations, and internal compliance requirements.
• Develop and monitor internal controls to prevent fraud, errors, and unauthorized transactions.
• Work closely with Risk, Compliance, and Finance teams to address regulatory inquiries and audits.
• Lead, mentor, and develop a team of payment operations specialists and analysts.
• Foster a culture of continuous improvement, accountability, and operational discipline.
• Support career growth through training, cross-skilling, and professional development.

Senior Manager, Payment Processing

Recruitment

• BMG Money seeks a motivated and detail-oriented Talent Acquisition Specialist to own full-cycle recruitment.
• Manage the entire recruitment lifecycle, including posting jobs, sourcing active and passive candidates (LinkedIn Recruiter, Indeed), screening resumes, conducting initial interviews, and coordinating interviews with hiring managers.
• Collaborate with hiring managers to understand staffing needs, define job requirements, and develop targeted recruitment plans.
• Serve as the main point of contact for candidates, ensuring timely and transparent communication throughout the hiring process.
• Assist the Talent Acquisition Supervisor on talent acquisition initiative projects such as employer branding and improving recruitment processes.
• Manage the offer process, including salary negotiations and onboarding logistics.
• Maintain accurate and up-to-date data in Greenhouse.
• Participate in job fairs and recruitment events to promote the company and attract talent.
• Handle sensitive candidate data, compensation details, and proprietary company information with confidentiality.
• Stay informed about industry trends and best practices to continuously improve recruitment strategies.

Talent Acquisition Specialist

• Lead business control strategy and execution across the Personal Loan line of business
• Build, enhance, and monitor the business control framework for personal loan servicing, ensuring operational integrity and compliance
• Identify, assess, and mitigate operational risks, partnering closely with Compliance, Risk, and Audit teams
• Manage relationships with business control and AI solution providers (e.g., NICE Actimize, FICO, Verint, Onfido, Alloy)
• Leverage automation, AI, and data analytics to proactively detect anomalies, inefficiencies, or potential control breaches
• Collaborate with Product, Engineering, Operations, and Vendor Management to embed controls into process design and systems
• Develop and execute control testing programs and validate design effectiveness and operational performance
• Track, resolve, and report on operational incidents and control gaps, ensuring timely remediation and continuous improvement
• Stay ahead of regulatory requirements and industry best practices impacting personal loan servicing

Senior Manager, Business Controls

• Oversee intake, handling, and resolution of customer complaints across the organization.
• Build and maintain a complaint management framework spanning intake, investigation, resolution, documentation, and reporting.
• Manage end-to-end handling of complaints, from intake through investigation and resolution.
• Ensure standardized procedures for triage, assignment, documentation, and closure.
• Oversee adherence to regulatory timelines, customer response standards, and internal SLAs.
• Serve as escalation point for high-risk or complex complaints.
• Partner with Operations, Compliance, Legal, and Risk to resolve escalations and adjust processes.
• Maintain accurate case files and audit-ready documentation to support reviews.
• Identify trends and provide feedback to Operations, Product, and Risk to reduce future complaints.
• Prepare recurring reports on complaint volume, type, resolution timeliness, and root cause themes.
• Lead and develop a small team of complaint management specialists, fostering accountability and compliance.

Manager, Enterprise Complaint Management

Vice President

•Lead the design, development, validation and monitoring of credit risk & fraud models, tailored for the subprime lending sector.
•Build, mentor, and manage a high-performing team of data scientists, quantitative analysts, and risk modelers.
•Evaluate new data sources for potential use in models, strategies or other consumer insights.
•Collaborate with underwriting, collections, compliance, and senior leadership to align models and data with business objectives.
•Establish and maintain strong working relationships with partner banks, ensuring mutual understanding of risk policies and model standards.
•Monitor and improve model performance over time through rigorous validation, backtesting and model governance.
•Ensure compliance with regulatory standards and internal risk governance policies.
•Monitor of industry trends, regulatory changes, and emerging best practices in credit risk modeling and data science.

Vice President, Credit Decision Sciences

•Develop and manage comprehensive new account underwriting and fraud prevention strategies to ensure proper risk mitigation, growth and profitability.
•Build, mentor, and manage a high-performing team of credit risk managers, data analysts and fraud strategy specialists.
•Evaluate new data and tooling to expand fraud detection capabilities.
•Assist decision sciences team in evaluation of new data sources for potential use in models, strategies or other consumer insights.
•Collaborate with decision sciences, account management, collections, compliance, and senior leadership to align credit and fraud strategies with business objectives.
•Establish and maintain strong working relationships with partner banks, ensuring mutual understanding of risk policies and model standards.
•Develop and oversee key performance metrics to evaluate the effectiveness of underwriting and fraud strategies.
•Monitor and improve credit and fraud strategy performance over time through rigorous testing and evaluation.
•Ensure compliance with regulatory standards and internal risk governance policies.
•Monitor of industry trends, regulatory changes, and emerging best practices in credit risk management and fraud prevention.

Vice President, New Account Underwriting and Fraud Strategy

Director

• Design, implement, and own the enterprise-wide data integrity framework, including policies, standards, and procedures aligned with business objectives and regulatory requirements (e.g., FCRA, GLBA).
• Define and own key quality indicators (KQIs) and metrics to measure the health of data across critical domains (e.g., Customer, Loan, Finance, Risk).
• Develop and execute a comprehensive roadmap for data governance and data quality initiatives, prioritizing efforts based on business impact, risk mitigation, and strategic value.
• Establish and support a federated data ownership model by working with domain-aligned Data Owners and Stewards to define, document, and maintain Critical Data Elements (CDEs).
• Lead the operationalization of the governance lifecycle, including metadata management, data classification, lineage, and usage policies.
• Facilitate Data Domain Councils and working sessions to drive accountability, resolve data issues, and ensure alignment across stakeholders.
• Lead the data certification process to formally validate datasets for use in regulatory reporting, advanced analytics, and critical operations.
• Design and deploy automated data quality (DQ) monitoring, alerting, and observability solutions using our cloud data platform (Google Cloud: BigQuery, Dataplex, Dataform) and visualization tools (Looker).
• Collaborate with Data Engineering to embed automated DQ checks directly into data pipelines and CI/CD processes ("quality-by-design").
• Develop and maintain data integrity dashboards for executive leadership and operational teams, providing transparent reporting on metrics, issue resolution status, and trend analysis.
• Lead root cause analysis (RCA) for high-priority data issues, coordinating with data engineering, operations, and business teams to drive resolution.
• Establish and manage a centralized data issue log with clear SLAs for remediation, distinguishing between tactical data fixes and strategic process or system improvements.
• Escalate systemic risks related to data integrity to the Head of Data, the Data Council, and other relevant leadership.
• Act as the primary subject matter expert and advocate for data governance and data quality across the organization.
• Champion a culture of data accountability by developing training materials, promoting best practices, and demonstrating the value of high-quality, trusted data.
• Serve as a key contributor to the Data Council, providing insights and support to drive data-driven decision-making.