Credit Risk & Product Manager
Hi, we're Brigit! A holistic financial health company helping every American build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly.
The Role
We're Brigit! A holistic financial health company helping every American build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, and avoid unfair fees.
We’re on the lookout for a Senior Manager to help lead Brigit’s Credit and Product strategy for our core business, Instant Cash. Reporting to the Chief Credit Officer, this role is critical for our ability to continue to scale our business.
It will be a dynamic, impactful, and unique experience!
What You’ll Do
-Enable sustainable growth while closely managing the profitability and resilience of the portfolio
-Design and develop new credit, pricing, limit setting policies for our Core Instant Cash product
-Think through, design, and implement credit policies for new initiatives and products
-Shape ongoing testing and experimentation
-Navigating any exogenous changes. Monitor macroeconomic trends impacting loan performance and drive adjustments to our underwriting and marketing strategies to mitigate risk
-Own the roadmap for new features to improve unit economics, UX, and growth
-Collaborate cross-functionally with various teams - Data Science, Engineering, Data, Legal/Compliance, Design, Marketing, and Finance:
+Work with Engineering and Data Science teams to continue to improve our underwriting and modeling frameworks
+Work with Product teams to increase activation and reduce churn
+Work with Finance on allowance policies and loss forecasting/ DQs
-Develop robust valuations and monitoring infrastructure. Leverage this valuations ownership to come up with insights on how to think about the economics of the business
-Start as an individual contributor with the scope to build out a team to support the product portfolio growth
Who You Are
- 4+ years work experience in consumer credit products and credit risk management
-Proficiency in SQL required; experience with Python is a plus!
-A passion and drive to improve financial security for the underserved
-Ability to thrive with ambiguity and work independently
-Curiosity to learn about data, models, and algorithms
-You’re comfortable working across organizations, from the C-suite to the most junior employees, and from engineers to marketing teams
-Have the ability to drive initiatives with minimal structure and be influential within the organization to garner internal support for initiatives
-You embrace and are inspired to be a key driver of Brigit’s mission!
We're backed by leading VC's, including Lightspeed Venture Partners and DCM, a number of the world's most influential social impact investors like Flourish and Sound and several mission driven celebrity investors like Kevin Durant and Will Smith! an If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team!
Our Benefits & Team
-Help hard working Americans build a brighter financial future
-A chance to join a high-growth company at an early stage
-Competitive salary and benefits and equity participation
-A dynamic, flexible and collaborative start-up work environment with a highly talented team
-Flexible PTO
-Paid Parental Leave [Primary and Secondary]
-Monthly reimbursements to use against wifi and cell phone bills
At Brigit, we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender, gender identity or expression, or veteran status. We are proud to be an equal opportunity workplace.