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Ascendo Resources · 22 hours ago

Director of Underwriting - Unsecured Lending

Miami, FL

Full-time

Onsite

Lead/Staff, Director/Executive

5+ years exp

Ascendo Resources is seeking a Director of Underwriting to lead the underwriting strategy and credit risk framework for their credit card products. This role involves developing underwriting policies, optimizing approval and pricing strategies, and ensuring portfolio performance aligns with growth and risk objectives in a fast-paced fintech environment.

Human ResourcesStaffing Agency

Responsibilities

Own and evolve the underwriting strategy for consumer and/or small business credit card products

Design, implement, and maintain credit policies, decisioning rules, and risk thresholds

Oversee automated underwriting models and credit decision engines (rules-based and ML-driven)

Partner with Data Science to enhance scorecards, risk models, and segmentation strategies

Balance portfolio growth, approval rates, loss performance, and profitability targets

Monitor portfolio performance, delinquency trends, charge-offs, and early warning indicators

Lead credit policy testing, champion/challenger strategies, and continuous optimization

Ensure underwriting practices comply with regulatory requirements (CFPB, Fair Lending, ECOA, FCRA, UDAAP)

Collaborate with Product, Engineering, Compliance, Fraud, and Operations teams on new product launches

Prepare and present credit performance reporting to executive leadership and investors

Manage and mentor underwriting and credit risk team members

Qualification

Underwriting strategyCredit risk frameworkCredit card underwritingRisk-based pricingConsumer credit regulationsData-driven environmentsAnalytical skillsStakeholder managementCommunication skills