VP of Credit

Job description

Hi, we're Brigit! A holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team! Brigit is doing innovative and exciting work, but don’t just take our word for it, our work is being recognized by others: - Built In's 2026 Best Midsize Companies to Work For in New York City https://builtin.com/awards/new-york-city/2026/best-midsize-places-to-work#brigit - Built In's 2025 Best Places to Work For In New York City https://builtin.com/awards/new-york-city/2025/best-places-to-work#brigit - Built In’s 2024 & 2025 Best Startups to Work For In the U.S. https://builtin.com/awards/us/2025/best-startup-places-to-work#brigit - Built In’s 2023 - 2025 Best Startups to Work For In New York City https://builtin.com/awards/new-york-city/2025/best-startup-places-to-work#brigit - Fast Company’s Most Innovative Companies of 2022 https://www.fastcompany.com/90724459/most-innovative-companies-personal-finance-2022 - Business Insider’s Most Promising Consumer Startups 2022 https://www.businessinsider.com/most-promising-consumer-tech-startups-of-2022-8#brigit-a-automated-money-lender-5 - Forbes Fintech 50 2022 https://www.forbes.com/sites/isabelcontreras/2022/06/07/the-future-of-personal-finance-fintech-50-2022/?sh=1fbbd36d5235 Role Overview: We are looking to hire a VP of Credit to lead the next phase of Brigit’s credit evolution as we expand from cash advances into broader credit products, including Line of Credit and future lending offerings. This leader will own credit strategy, portfolio performance, underwriting and fraud across the business, and help shape company strategy, and long-term product direction. This role requires deep experience in credit underwriting using alternative data (non-FICO, ideally cashflow–based) and strong judgment operating in near-prime to underserved consumer segments. Brigit’s underwriting platform adapts in near real time to changes in user behavior by leveraging bank transactional data, allowing us to both evaluate new applicants and continuously monitor the performance of our outstanding portfolio. The Head of Credit will own the strategy, performance, and outcomes of this system end-to-end. This is a senior, management-level role with direct accountability for credit risk outcomes. This individual will be a core thought partner to executive leadership, contributing to company-wide strategy, including product expansion, portfolio scaling, long-term risk management, and capital efficiency. The role collaborates closely with Product, Data Science, Engineering, Finance, Legal, Compliance, Operations, Marketing, and Data, and is critical to Brigit’s ability to scale responsibly and profitably. What you’ll be doing: Credit Strategy & Portfolio Ownership - 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. Product & Underwriting - 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. Modeling, Data & ML Collaboration - 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 Fraud & Risk Controls - Own credit-related fraud strategy, balancing prevention with approval rates and customer experience. Strategic Judgment & Ambiguity - Success in this role requires strong judgment, comfort operating under uncertainty, and the ability to make principled tradeoffs between growth, profitability, risk, and customer outcomes. Team Leadership & Execution - 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. What you have: - 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 The anticipated annual base salary for this position is $270,000 - $290,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below). The actual base salary offered depends on a variety of factors, which may include as applicable, the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job. We are open to remote candidates, but candidates located in the New York City or San Francisco Bay Area are preferred to support hybrid in-person collaboration with team members. Our Benefits & Team: - 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 Brigit is committed to providing equal employment opportunities for all applicants and employees without regard to race, religion, color, sex, pregnancy (including breast feeding and related medical conditions), national origin, citizenship status, uniform service member status, age, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. We are proud to be an equal opportunity workplace. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email accommodations@hellobrigit.com. Disclosures: - For information on our data privacy policies, see the Brigit California Personnel Privacy Policy https://www.hellobrigit.com/careers/personnel-privacy-policy. - Brigit uses E-Verify for employment authorization. See the E-Verify and Department of Justice websites for more details.