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.

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