Credit Model Validation Manager Jobs

About Us: Perpay is a certified B Corp and Philadelphia’s most impactful growth-stage startup. We are driven by a mission to significantly improve the financial stability of everyday Americans. For the past decade, we have established strong product-market fit and a profitable, efficient operating model across a suite of products, positioning Perpay as the premier financial partner for consumers with subprime credit. With over 500,000 customers who have utilized more than $1 billion in spending power, we are at a pivotal moment. We are scaling our operations, building new offerings, and deepening our impact. We are looking for teammates eager to join us on this journey. Our venture partners include First Round Capital and L Catterton. Products we’ve built to make an impact: Perpay Marketplace: Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior. Perpay+: Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus. Perpay Credit Card: Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds. Our team thrives on in-person collaboration, operating from our unique center-city Philadelphia office. This comfortable "home away from home" space offers river views and fosters rapid product development, strong relationships, and career growth. The energy from achieving big wins is palpable here. While we primarily work in the office, we offer sensible flexibility for personal needs, such as sick children or urgent errands, and coordinate official remote weeks around major holidays. If you are passionate about a meaningful mission, collaboration, equity, and generous perks, Perpay is the best place to be in Philadelphia right now. About the Role: We’re seeking highly motivated recent graduates (or equivalent experience) who are passionate about our mission and eager to

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: We are currently seeking a Quantitative Risk Analysis Manager to join the Credit Analytics & Reporting team in the Single-Family division. This position will be tasked with managing a team responsible for reporting and analytics regarding Collateral offerings as well as Collateral model business user supports. The role requires deep understanding of data and current code base, designing analytical approaches for business questions and scenario evaluations, managing data research, analyses and preparation of reports and presentations. Our Impact: Our team is responsible for producing reporting packages to monitor trends and performance. We analyze different test and learn or pilot programs to assess risk of the offerings and create reports to monitor these offerings closely to assess broad roll out. We perform significant user activities for enterprise Collateral models for user acceptance testing and provide feedback. Your Impact: Manage a team of three to four people Complete baseline processes and reports monthly and interpret results as it relates to collateral risk management Follow appropriate controls and standards established to maintain and document for processes & reports. Participate in performing ad-hoc analytics in support of collateral policy Cleanse, manipulate and analyze large datasets using statistical software Collaborate with team members and interact across organizational lines to meet business objectives Qualifications: Degree in

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. As a Machine Learning Engineer on our team, you will be at the forefront of developing high-quality, production-ready models that play a central role in our decision-making processes. Your contributions will be instrumental in shaping our financial landscape. If you have a strong interest in machine learning and enjoy challenging work, Affirm is the place for you! What you'll do Use Affirm’s proprietary and other third party data to develop machine learning models that predict the likelihood of default and make an approval or decline decision to achieve business objectives Partner with platform and product engineering teams to build model training, decisioning, and monitoring systems Research ground breaking solutions and develop prototypes that drive the future of credit decisioning at Affirm Implement and scale data pipelines, new features, and algorithms that are essential to our production models Collaborate with the engineering, credit, and product teams to define requirements for new products What we look for 2+ years of experience as a machine learning engineer or PhD in a relevant field Proficiency in machine learning with experience in areas such as Generalized Linear Models, Gradient Boosting, Deep Learning, and Probabilistic Calibration. Domain knowledge in credit risk is a plus Strong engineering skills in Python and data manipulation skills like SQL Experience using large scale distributed systems like Spark or Ray Experience using open source projects and software such as scikit-learn, pandas, NumPy, XGBoost, Kubeflow Experience developing machine learning models at scale from inception to business impact Excellent written and oral communication skills and the capability to drive cross-functional requirements with product and engineering teams The ability to

About the opportunity As our new Treasury Trader you will autonomously drive core treasury operations, liquidity and cash management, and investments (with a primary focus on public sector financing). Operating with high autonomy, you will manage the short term Treasury book, central bank operations, assess bank’s liquidity position and monitor key KPIs. Acting as a crucial bridge across Group Risk, Accounting, and Regulatory Reporting, you will also as 1 LoD maintain audit readiness to ensure complete operational stability. You will also enjoy our hybrid work model - flexibility of working both from home, and from our office in Barcelona. In this role, you will: Trade Execution & Portfolio Management: Evaluate potential investment opportunities, then price (Bloomberg experience required), execute, and log transactions across Front Office tools, focusing primarily on public sector financing and short maturities. Proactively manage money market products and the short-term book, including Repo and Reverse Repo portfolios. Liquidity & Reserve Management: Oversee key liquidity functions, including Bundesbank cash pooling, Eurosystem minimum reserve requirements, overnight deposits, credit lines, and short-term portfolio hedging. Payment Systems & Central Bank Operations: Serve as the primary deputy for key payment and settlement infrastructure (Target, ESMIG, MACCS) and oversee central bank account management. Audit, Compliance & Governance: Support internal and external audits, enforce compliance with key banking regulations, and drive First Line of Defense (1LoD) risk management. Product & Tech Initiatives: Lead New Product Process (NPP) implementations, vendor onboarding, core banking system enhancements, and automated reporting solutions using SQL. What you need to be successful: Experience: Strong background in bank treasury operations, liquidity management, and money markets, with a preference for hands-on Repo/Reverse Repo a

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. We are reinventing credit cards entirely. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. We are looking for a Senior Staff Software Engineer to take on a critical role in defining and leading technical excellence. You’ll partner with other engineering leaders in revolutionizing the way the team works, shaping the culture of engineering across Cards. You will lead from the front on AI while holding the bar high on quality. You’ll collaborate with engineering leaders, create and implement technical strategy across full-stack teams, and coordinate closely with stakeholders to build scalable, reliable, and high-performing solutions. You'll help shape best practices, guide architectural choices, and drive the successful delivery of critical initiatives. This role requires a high level of technical ability, leadership and project management skills, strong cross-functional communication, and a customer-first mindset. What You'll Do Lead the vision – Define the technical direction, long-term technical roadmap, and strategic initiatives in Cards. Be a role model - Lead from the front as an example in using AI to build fast, take initiative, and revolutionize how we work. Stay close to industry leaders in FinTech, learning from what is happening in the market to build our team. Work closely with stakeholders across all teams at Affirm to champion and implement technical excellence in conjunction with business results Create and influence a strong ownership culture across teams, with high accountability and investment for building for scale and efficiency Architect and contribute to deci

About the Team The Dasher & Logistics team supports the millions of Dashers who power DoorDash's marketplace. Dasher Financial is our bet that the financial system serving gig workers should be built by the platform they already work on. From instant access to earnings, to bill pay and savings, to credit-building tools, our goal is to become the financial home for Dashers. Our banking product serves 2M+ monthly active Dashers, and the business has more than doubled in the past year. About the Role We're looking for a Senior Manager to run our banking business, and to grow into the GM of it. This is a business already at scale: millions of users, it generates real revenue, and it runs on a regulated program with a sponsor bank and processor partners. But the business is also early enough that the decisions you make will help determine what this becomes. The first twelve months are about making the business stronger on every axis at once: growing the user base and the revenue levers that already work, taking down the cost to serve, and pulling more of the banking operation under our own control. These three pull against each other, and deciding how to trade them off against the P&L is the job. You'll also be the face of this business outside the company. Our processor, program manager, and sponsor bank determine what we can build, how fast, and at what cost. You'll own those relationships, hold partners to what they committed to, and sit at the table when we negotiate the next set of terms. This is a commercial role as much as an operational one. And you'll lead the team that runs it, hiring and developing operators who own their surfaces while staying hands-on yourself. At this stage the person running the business is still personally in the data, in the partner rooms, and in the details of how the machine actually works. You will: Own the P&L - user growth, revenue per user, and cost to serve Build the operating model for a regulated financial produ

About the opportunity We are seeking an experienced Lead Technical Product Manager for our Machine Learning Platform within the Intelligent Operations Platforms segment. In this role, you will define the long term vision, platform architecture, and execution strategy for core Machine Learning infrastructure across N26. Your work will enable squads across the bank to automate risk assessments, prevent financial crime, and scale operational efficiency. Our ML Platforms team serves as the central nervous system for real-time, data-driven decisioning. We build and scale horizontal ML capabilities that allow critical functions including Financial Crime, Credit Risk, and Core Operations to execute with absolute precision at scale. As a Lead Product Manager, you will drive multi-squad strategy, transforming complex predictive models into resilient, compliant, sub-second scoring systems. In this role, you will Drive the Core ML Platform Vision: Define and execute the multi-year roadmap for the central Machine Learning platform, ensuring alignment with broader engineering architecture and executive business goals. Lead High-Volume ML Portfolios: Oversee complex predictive ML capabilities supporting high-throughput banking systems, focusing on real-time transaction monitoring, automated credit risk scoring, and operational workflow decisioning. Scale Enterprise MLOps Infrastructure: Own the platform tooling and standards across the full ML lifecycle. Drive strategic decisions around feature stores, real-time feature extraction pipelines, model registries, automated retraining triggers, and CI/CD for ML. Establish Model Evaluation and Governance: Define robust offline and online model evaluation frameworks, shadow deployment mechanics such as champion and challenger testing, and real-time monitoring for model drift, inference latency, and data quality degradation. Bridge Technical Leadership and Compliance: Partner closely with Principal Data Scientists, ML Engineers, Security

About the opportunity We are seeking an experienced Lead Technical Product Manager for our Machine Learning Platform within the Intelligent Operations Platforms segment. In this role, you will define the long term vision, platform architecture, and execution strategy for core Machine Learning infrastructure across N26. Your work will enable squads across the bank to automate risk assessments, prevent financial crime, and scale operational efficiency. Our ML Platforms team serves as the central nervous system for real-time, data-driven decisioning. We build and scale horizontal ML capabilities that allow critical functions including Financial Crime, Credit Risk, and Core Operations to execute with absolute precision at scale. As a Lead Product Manager, you will drive multi-squad strategy, transforming complex predictive models into resilient, compliant, sub-second scoring systems. In this role, you will Drive the Core ML Platform Vision: Define and execute the multi-year roadmap for the central Machine Learning platform, ensuring alignment with broader engineering architecture and executive business goals. Lead High-Volume ML Portfolios: Oversee complex predictive ML capabilities supporting high-throughput banking systems, focusing on real-time transaction monitoring, automated credit risk scoring, and operational workflow decisioning. Scale Enterprise MLOps Infrastructure: Own the platform tooling and standards across the full ML lifecycle. Drive strategic decisions around feature stores, real-time feature extraction pipelines, model registries, automated retraining triggers, and CI/CD for ML. Establish Model Evaluation and Governance: Define robust offline and online model evaluation frameworks, shadow deployment mechanics such as champion and challenger testing, and real-time monitoring for model drift, inference latency, and data quality degradation. Bridge Technical Leadership and Compliance: Partner closely with Principal Data Scientists, ML Engineers, Security

ABOUT CAPCO Capco, a Wipro company, is a global management and technology consultancy specialising in driving digital transformation across the financial services industry. Operating at the intersection of business and technology, Capco combines innovative thinking with unrivalled industry knowledge to fast-track initiatives for banking and payments, capital markets, wealth and asset management, and insurance. Our ingenuity is brought to life through our Innovation Labs, award-winning Be Yourself at Work culture, and a diverse, talented team across more than 30 offices worldwide. ROLE DESCRIPTION Every consequential moment in financial services — approving a policy, extending credit, flagging a transaction, recommending a portfolio — is a decision. The best financial institutions do not leave those decisions to chance, intuition, or inconsistent human judgement. They engineer them: combining predictive analytics, business rules, and optimisation into decision services that are fast, consistent, auditable, and continuously improving. That discipline is Enterprise Decision Management. As an AI Specialist in Enterprise Decision Management, you will lead the design and delivery of intelligent decision automation solutions for Capco's financial services clients across Asia. You will help clients move beyond point-in-time analytics and disconnected AI engines toward closed-loop decision systems: where predictive models inform rules, rules govern actions, outcomes are measured, and both models and rules are continuously refined as a result. This role demands genuine depth across the full AI and decision management spectrum — from classical techniques such as expert systems, case-based reasoning, and scorecards, through to modern machine learning, optimisation, and large language model integration. We are not looking for generalists who discovered AI in the last few years. We are looking for practitioners who have spent a career building, deploying, and improving intelligen

At Breeze, we're building the AI-powered infrastructure layer for global commerce, making it radically simpler for businesses to sell, get paid, and operate across markets. We go far beyond traditional payment processing. Breeze combines global payments, AI, stablecoins, and a Merchant of Record-like model to take on the complexity businesses typically manage themselves, including compliance, risk, fraud, chargebacks, reconciliation, and customer support. Our goal is simple: let businesses focus on building and selling great products while Breeze handles the complexity behind getting paid. Backed by Sequoia Capital , Multicoin Capital , and The Chainsmokers , Breeze is a successful, rapidly growing, and exceptionally well-capitalized company. We have the runway to think long term while remaining early enough that every person joining today can have a meaningful impact on what we build. Overview Every merchant Breeze takes on creates an opportunity to grow and real financial exposure to manage. We’re hiring a Underwriter to own the decisions behind that growth: which merchants we support, on what terms, and how we protect Breeze from chargebacks, refunds, fraud, and merchant failure. You’ll own underwriting from application through ongoing monitoring, combining corporate credit analysis with sharp financial judgment to make high-impact decisions. This is a hands-on builder role with the autonomy to create the policies, scorecards, and processes that will shape how Breeze manages risk and scales globally. What You'll Do Underwrite new merchant applications: analyze financials, funding, runway/burn/unit economics; assess the business model's liability tail; make approve/decline/conditional decisions with a documented rationale Set reserves, holdbacks, volume caps and exposure limits Run portfolio re-reviews, adjust terms as merchant risk changes, maintain a watchlist/escalation path, track realized losses back into the framework Build and maintain underwriting policy,

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: Are you curious and analytical? Do you thrive on working in a team environment? Are you looking for an inclusive company culture? Freddie Mac’s Single-Family Credit Analytics, Reporting and Decision Strategy group needs creative, forward-thinking individuals like you! We want to hire individuals who seek out complex business problems and develop viable solutions. The Quantitative Analytics Professional position is responsible for ensuring the reasonableness and consistency of statistical models, analytics and methodologies used in decision making in the Single Family guarantee business. Our Impact: Our team serves as the business user for multiple very high- and high-risk models. Our goal is to leverage all available models and tools to facilitate and optimize credit risk management and decision strategies. Our team is responsible for forecasting SF credit losses and enhancing company decision-making with respect to loan acquisition. Your Impact: SF (Single Family) model enhancement - oversight, documentation, and testing of new modeling frameworks Model tracking reports - reviewing and ensuring reports to SF Acquisition division are concise, complete, and transparent Mortgage modeling expertise - understanding default and prepayment modeling frameworks and providing insights Data quality - understanding data relationships and ensuring accuracy Testing and governance - assisting with UAT and model governance processes Qualifications: <

About the Role We're hiring a Sr. Growth Marketing Manager to own and drive measurable growth outcomes across Chime Enterprise's B2B2C funnel — the path that turns eligible employees at our employer partners into enrolled, funded, and engaged Chime members. Chime Enterprise is Chime's B2B business, with a vision to be the premier HR benefits platform dedicated to holistic financial wellness. Our flagship product, Chime Workplace, gives employers an all-in-one financial wellness suite at no cost — spanning capital management (including MyPay at Work), capital growth, credit building, and rewards and loyalty (Salt). Sales and Customer Success win and onboard employer partners; once a partner is live, we gain access to their workforce — their eligible employees . Converting those eligible employees into Chime members is the challenge this role owns, and mastering it unlocks one of the most powerful and defensible distribution channels at Chime. This role is embedded directly within the cross-functional Chime Enterprise growth effort and operates as the growth owner, not just a marketing advisor. You'll sit at the intersection of growth strategy, experimentation, performance analysis, and product marketing craft: identifying opportunities, prioritizing and running experiments, and driving metric movement against clear goals. While the role retains core product marketing strengths — research, positioning, and messaging — it goes further by owning results and tradeoffs. In this role, you can expect to Growth Ownership & Strategy Own end-to-end growth strategy and outcomes for Chime Enterprise's employee-side funnel, from opportunity sizing through roadmap delivery against quarterly and annual goals. Serve as the embedded growth lead for Enterprise, co-owning planning with Enterprise Product, Engineering, and Analytics and with Growth Marketing's channel teams. Build a repeatable model for converting eligible employees into members that scales across partners rather th

About Anthropic Anthropic’s mission is to create reliable, interpretable, and steerable AI systems. We want AI to be safe and beneficial for our users and for society as a whole. Our team is a quickly growing group of committed researchers, engineers, policy experts, and business leaders working together to build beneficial AI systems. About the role As the leader of our new Hedge Funds sales team within Enterprise FSI, you will build and lead the team that brings transformational AI to the world’s leading hedge funds - multi-strategy platforms, quantitative and systematic firms, discretionary long/short equity, global macro, and credit funds. These are some of the most technically sophisticated and competitive organizations in financial services, rethinking how they generate ideas, conduct research, build and test strategies, manage risk, and run their operations - and they’re looking for a partner they trust to take frontier AI from promising experiments into production at the core of their investment process. You’ll own a focused portfolio of top-tier funds at very different stages of AI adoption, from firms already running Claude across research and engineering to those just beginning their journey. You will lead Enterprise and Strategic Account Executives, design the coverage and territory model, and build the repeatable, hedge-fund-specific plays that turn early wins into durable, scaled adoption. The selling is technical and multi-stakeholder - platform decisions, protection of proprietary strategies and data, security and compliance rigor, and solutions built on Claude through our API, Claude for Enterprise, Claude Code, and partner cloud platforms. Buyers move fast, decision-making is concentrated among a small group of senior leaders, and you’ll shape strategy and operating rhythm while staying personally engaged with founders, CIOs, CTOs, and heads of research on the pursuits that matter most. This is a rare opportunity to build a team from the ground up,

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech