Responsibilities

• Portfolio Strategy: Design and oversee the end-to-end risk lifecycle for ReadyBucks, including credit policy, underwriting standards, and limit management for Merchant Cash Advances (MCA).
• Fraud Prevention: Implement and manage advanced KYC/KYB workflows and real-time fraud detection tools to safeguard the platform against identity theft and synthetic fraud.
• Monitoring & Reporting: Establish key performance indicators (KPIs) to track delinquency, default rates, and recovery performance, providing regular deep-dive insights to the executive leadership team.
• Continuous Improvement: Regularly audit existing risk models and automated decisioning logic to optimize for both conversion and loss-reduction in a fast-paced fintech environment.

Qualifications

• 5+ years in risk management, specifically within fintech lending, Merchant Cash Advances, or alternative small business financing.
• Advanced expertise in data analysis tools (SQL is required; Python or R is preferred) and experience with automated underwriting software.
• Proven track record of building risk frameworks from the ground up and scaling them within a high-growth startup or corporate innovation environment.
• A deep understanding of the unique financial challenges and risk profiles associated with the gig economy and independent contractor workforce.
• Ability to translate complex quantitative data into clear, actionable business strategies for non-technical stakeholders.

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