Director, Credit and Fraud Risk

| Greater NYC Area
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Bread is a technology company that aims to transform the world of paper credit card applications and hidden interest rates by providing leading point-of-sale financing options for merchants across the e-commerce journey. We build tools, technologies and APIs that allow merchants to integrate an installment loan financing and checkout experience anywhere in their customers’ shopping journey. Bread was started in 2015 by financial technology veterans, and has experienced explosive growth to date. We’re backed by top investors including Menlo Ventures, Bessemer Venture Partners, Kinnevik, among others.

Reporting to the senior management team and leading a team of data scientists and operational analysts, you will have a hands-on role in all aspects of Credit and Fraud Risk management—from underwriting to term and credit limit assignment to managing relationships with critical external vendors and internal stakeholders. 

If you have a passion for all things Risk with a track record of leadership and results who likes to get things done by engaging in teamwork, is not afraid to dive in hands-on, and is excited by the challenges that come with life at a fast-growing FinTech startup, you’ve come to the right place.

Things you will do:

  • Own Credit and Fraud loss KPIs
  • Manage the strategy behind and own the implementation of Credit and Fraud underwriting and term assignment logic 
  • Build strong relationships with stakeholders across Operations, Collections, Engineering and Product among others to turn insights into action
  • Own internal and external Credit and Fraud reporting, including to senior management and Board of Directors
  • Cultivate and expand relationships with critical external business partners

Requirements

  • 7+ years of results-driving experience in consumer Credit Risk management (direct underwriting experience preferred) with at least some direct exposure to Fraud
  • 3+ years of strong people leadership experience
  • Expertise in Analytics / Data Science (advanced degree in Statistics/Economics or related field preferred but not required)
  • Direct experience working with cross-functional internal teams and external vendors to implement strategies and drive results
  • Hands-on experience with SQL
  • Analytical familiarity with SAS, R, Python or other programming language
  • Willingness to challenge the status quo and consider multiple competing business objectives

If this is you, submit a cover letter and resume to apply!

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • GolangLanguages
    • JavascriptLanguages
    • FluxLibraries
    • ReactLibraries
    • ReduxLibraries
    • PostgreSQLDatabases
    • Google AnalyticsAnalytics
    • ConfluenceManagement
    • JIRAManagement
    • TrelloManagement
    • HubSpotCRM
    • SalesforceCRM
    • MailChimpEmail
    • MarketoLead Gen

Location

156 5th Avenue, 2nd floor, New York, NY 10010

An Insider's view of Bread

What are some social events your company does?

We love celebrating all that we can from our monthly happy hours, DI&B events to our summer/winter holiday parties. Our team is extremely thoughtful about how we gather together to ensure everyone is excited about and included in all we do. It fosters collaboration in a more strategic yet relaxed way which helps build relationships.

Britney

Head of Employee Engagement

What projects are you most excited about?

A typical day at Bread is different depending on the engineer. While some engineers enjoy more autonomy, I enjoy collaborating on projects with other engineers and coming up with great solutions together. We strike a balance between stability and innovation through code reviews and guest lectures. I feel supported in my career growth here at Bread.

John

Software Engineer

How does the company support your career growth?

Bread encourages us to empower ourselves from the very start of our careers by offering every employee a stipend to seek educational resources and support. If you envision a role we don’t currently offer, or aspire to transition internally, we aim to give you the tools needed to meet your goal.

Gaby

Recruiting Coordinator

How do you collaborate with other teams in the company?

One of the great things about working at Bread is the cross-functional collaboration with other teams. As an integrations engineer, I have not only learned how to intentionally build a product in a thoughtful manner from the Engineering and Product teams, but also how to be effective in a client facing role from our Sales and Success teams.

Wei

Integrations Engineer

What are Bread Perks + Benefits

Bread Benefits Overview

100% Paid Health, Dental & Vision
Stock Options
Flexible Vacation Policy
Team Events
Weekly Lunches
Learning & Development stipend
Monthly Meditation
Bi-monthly Yoga
Bi-monthly chair massage
Life events and milestone celebrations

Culture
Volunteer in local community
Friends outside of work
Eat lunch together
Intracompany committees
Daily stand up
Open door policy
Team owned deliverables
Team based strategic planning
Open office floor plan
Diversity
Dedicated Diversity/Inclusion Staff
Someone's primary function is managing the company's diversity and inclusion initiatives
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Team workouts
We have in office yoga once a week!
Retirement & Stock Options Benefits
401(K)
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Bread provides employees with a flexible work schedule that includes flexible start and end times.
Family Medical Leave
Company sponsored family events
Bread sponsors family oriented events annually.
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Free Daily Meals
Stocked Kitchen
Some Meals Provided
Happy Hours
Recreational Clubs
Relocation Assistance
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
Bread offers employees professional development opportunities like annual individual budget for training, the ability to attend job related conferences and seminars.
Tuition Reimbursement
Diversity Program
Lunch and learns
Bread hosts lunch and learn meetings on occasion.
Promote from within
Continuing Education stipend
We offer $$$ annually for continuing education.
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