Zenith HR ยท 1 day ago
Director of Underwriting & Credit
Woodbridge, NJ
Full-time
Hybrid
Director/Executive
10+ years expZenith HR is a fintech company seeking a Director of Underwriting and Credit to join their risk team. In this role, you will oversee the end-to-end credit lifecycle, ensuring alignment of underwriting, pricing, and portfolio management strategies with business growth and risk objectives.
Human Resources
Responsibilities
Establish and manage underwriting, credit risk management, and portfolio management functions across consumer and small business lending
Design, implement, and test automated underwriting models, analytics, and loan decisioning processes within digital lending platforms
Develop, maintain, and document credit policies, underwriting standards, and governance frameworks
Implement risk-based pricing strategies, loan-loss models, and portfolio-level analytics to optimize risk-adjusted returns
Monitor and report on portfolio performance, including approval rates, delinquency, losses, and pricing effectiveness
Collaborate with the CRO and Senior Management to develop and execute credit strategy, growth initiatives, and new product launches
Support financing partner relationships through portfolio performance reporting and credit risk insights
Partner with legal counsel to identify regulatory and legal risks and ensure compliant credit documentation
Manage relationships with third-party vendors, including credit bureaus, loan processors, analytics providers, and collections agencies
Qualification
Required
10+ years of experience in Banking and/or Fintech with deep focus on underwriting, credit risk management, credit model development, and credit policy design
At least 3+ years of senior leadership experience
Proven experience designing and implementing data-driven, highly automated, scalable underwriting and credit decisioning platforms
Strong background in consumer lending and small business equipment lending, including at least 2 years in Sub-Prime credit
Expertise in risk-based pricing, loan-loss modeling, and portfolio analytics
Experience developing credit policies and partnering with legal teams on regulatory and documentation frameworks
Demonstrated ability to lead cross-functional teams and manage third-party vendor relationships
Hands-on leadership style with strong attention to detail and execution discipline
Able to commute to Woodbridge, NJ 3x per week (Tues-Thurs)
Bachelor's or Master's degree in Business, Finance, or a quantitative field
Preferred
Experience managing both Prime and Sub-Prime loan portfolios in the U.S
Background in delinquency management, collections strategies, and loss mitigation
Strong ability to communicate complex credit concepts to technical and non-technical stakeholders
Experience working with credit bureaus, loan processors, and collections agencies
Familiarity with ML-driven underwriting models and emerging trends in credit risk
Company
Zenith HR
At Zenith HR, we are committed to redefining how businesses approach human resources.
2-10 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase