VP of Credit

Brigit

VP of Credit leading Brigit's credit strategy across various lending products. Drive portfolio performance and fraud management in a fintech startup environment.

Posted 6/25/2026full-timeNew York City • New York • 🇺🇸 United StatesLead💰 $270,000 - $290,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Own Brigit’s credit strategy end-to-end across products, including cash advance, Line of Credit, and any new credit products.
Define and evolve underwriting frameworks, portfolio guardrails, and risk appetite, aligned with company growth and profitability goals.
Lead portfolio management, including monitoring performance, loss curves, vintage analysis, stress testing, and cohort-level optimization.
Incorporate macroeconomic signals into forward-looking strategy and make principled tradeoffs between growth, profitability, and risk.
Partner with Finance and executive leadership on capital efficiency, loss forecasting, and long-term portfolio economics.
Partner with Product to design credit products using cash-flow data and alternative signals.
Own credit policy design, experimentation, and iteration across the user lifecycle.
Drive limits, eligibility strategies, and pricing to balance growth, risk, profitability, and customer outcomes.
Partner with Finance on product valuation and unit economics.
Work closely with Product and Marketing on the design and launch of new credit products, influencing product roadmap decisions where credit risk or unit economics are material.
Work closely with Data Science to build, deploy, and iterate on ML-driven underwriting and fraud models.
Translate business objectives into model requirements and ensure strong post-deployment monitoring.
Establish model governance, performance monitoring, and recalibration processes.
Maintain a roadmap for underwriting and scoring improvements, including new data sources and techniques to improve approval rates while maintaining acceptable delinquency and loss levels
Own credit-related fraud strategy, balancing prevention with approval rates and customer experience.
Build and lead a high-performing credit organization across strategy, portfolio management, underwriting, and risk operations. Develop strong operating rhythms, governance frameworks, and scalable decision-making processes.
Define and manage to clear KPIs (e.g., approval rates, delinquency, contribution margin, etc.).
Establish operating rhythms, dashboards, and decision-making frameworks.
Stay hands-on in execution, especially in the early stages of new product launches.
Present credit performance, risk posture, and forward-looking insights to executive leadership.

Requirements

What you’ll need

9+ years of experience in retail or consumer lending in a credit, risk management, or underwriting role
Demonstrated ownership of credit strategy and portfolio performance for scaled consumer lending products
Strong experience using alternative data for underwriting (non-FICO); bank transactional data experience is a significant plus
Working experience with data science and machine learning concepts, including collaboration on model development and deployment
Solid understanding of modeling and ML methods and tradeoffs (e.g., regression, classification, forecasting)
Comfort writing, reviewing, or closely engaging with code (e.g., SQL, Python), particularly early on
Experience in building and managing small to medium-sized teams
Startup or high-growth fintech experience strongly preferred
Experience working across credit, product, and analytics functions
Strong interest in building fair, responsible credit products that improve customer outcomes
Experience leading and developing high-performing credit and risk teams
Experience influencing executive-level decisions in fast-moving environments
Demonstrated ability to balance growth, profitability, and risk
Experience operating in high-growth fintech or evolving lending environments

Benefits

Comp & perks

Medical, dental, and vision insurance
Flexible PTO Policy
401k plan
Paid Parental Leave
Physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support
Monthly reimbursements to use against wifi and cell phone bills
Annual reimbursement for Learning & Development
Help hard working Americans build a brighter financial future
High-growth company
A dynamic, flexible and collaborative start-up work environment with a highly talented team

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Hard Skills & Tools

credit strategyportfolio managementunderwriting frameworksrisk appetitemacroeconomic signalsmachine learningdata analysisSQLPythonmodel governance

Soft Skills

leadershipcollaborationcommunicationdecision-makingstrategic thinkingteam managementinfluencingproblem-solvingadaptabilitycustomer focus