• Manage and optimize origination underwriting to ensure the portfolio performance is within risk appetite framework. • Adherence to the Risk policy, standards and frameworks, and maintaining a robust control environment. • Ability to perform advanced data analytics and advise the underwriting strategies for loan origination, loan amount assignment, and loan pricings that optimize profitability from end to end. • Collaborate with the portfolio risk team to track credit performance and take action to manage the portfolio within the organization’s risk management appetite. • Take ownership of credit policy documentation and enhance policies and processes to mitigate credit risk exposure. • Improve sophistication and technical implementation of current approaches. • Maintain quality control and validation that risk processes are working as expected. • Relationship management of risk stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third-party services. • Work cross-functionally with the company’s Tech, Product, Sales, and Finance teams to lead and manage new credit product initiatives that further our mission of providing convenient point-of-sale financing to niche consumer products. • Provide guidance and mentorship to junior team members, fostering their growth and ensuring alignment with team objectives.