Director of Credit Strategy

Pipe Technologies

Quality Control & Assurance

IT & Telecoms Confidential
1 month ago

Job Summary

Robust credit risk & data science capabilities would sit at the heart of this trading platform and enable delivery of credit losses in line with our risk appetite while providing outstanding experience to businesses on our platform. These risk capabilities would evolve to have industry leading discrimination and become a sustained source of competitive advantage for Pipe & value addition to our merchant partners. Risk scorecards and credit strategy logic would be housed within a nimble and modern infrastructure to enable decisioning of millions of customers and transactions with a very high degree of precision & accuracy. Director of Credit Strategy would be a key member of the risk team reporting to CRO with responsibility to design and deploy innovative credit strategy for MCA & loan products that maximizes approval rates & customer lifetime value while creating great customer experience and operating within the credit loss appetite of the business.

  • Minimum Qualification:Degree
  • Experience Level:Senior level
  • Experience Length:7 years

Job Description/Requirements

About the role

This is a full-time, fully remote position. In this role, you will 

  • Develop underwriting policy to set the minimum acceptance criteria and policy declines for segments outside of Pipe risk appetite 
  • Design innovative approval and product qualification strategy to maximize approval of applications while ensuring delivery on credit loss target through seamless combination of risk & behavioral models and manual underwriter review 
  • Develop pre-approval strategy and credit limit assignment to optimize on lifetime customer value
  • Create pricing/ Interest rate logic to ensure that assets have adequate loss coverage while creating positive borrower selection and high take up rate  
  • Partner with product, engineering and data science teams to conceptualize & deploy state of the art infrastructure capabilities that enable nimble iteration of credit strategy
  • Create robust tracking processes to closely monitor & report performance of the portfolio ensure that approval rates and credit performance is tracking in line with expectation
  • Have thoughtful approach to portfolio construction to ensure that the assets that we create are resilient through the cycle and have strong appeal for debt investors in terms of risk adjusted margin
  • Deploy appropriate forward looking adjustments to credit strategy to ensure that risk logic continues to be appropriate through evolving macro economic scenario
  • Work with risk operations team to ensure that execution of risk strategies happens in line with agreed policies and incorporate ongoing feedback from manual reviews to enhance credit strategy


  • Minimum 7+ years of experience in working in credit strategy  area for Fintech or Banking organization and at least 3-4 years in credit strategy for MCA product. Prior experience in calibrating credit strategy for MCA product is a must


  • Strong analytical skills,  deep experience/knowledge of small business risk management and underwriting principles and attention to detail
  • Knowledge of merchant transaction data and ability to create deep insights & credit strategy based on the same 
  • Experience in implementing risk logic within a decision engine
  • Ability to combine data insights with strong business judgment/ intuition in calibrating underwriting strategy
  • Strong communication and interpersonal skills to influence stakeholders


  • Master’s in quantitative discipline such as, Math, Computer Science, Economics, Statistics preferred

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