Credit Model Validation Manager Jobs

About the Team The Dasher & Logistics team supports the millions of Dashers who power DoorDash’s marketplace. We’re building the world’s leading last-mile logistics platform — and to succeed, we’ll need to disrupt ourselves along the way. The Dasher Financial team is one such disruption: we are building fintech products that best serve the needs of Dashers and gig workers like them. From instant access to earnings, to innovative bill pay and savings products, to credit-building tools, our goal is to create the financial system of record for Dashers. We are early in this journey — launching and scaling zero-to-one products that redefine how Dashers interact with their money. About the Role We are looking for an Associate, Strategy & Operations to join our Dasher Financial team. This role is about building the operations of a bank program at scale — a bank product that is already used by millions of Dashers each month. Unlike traditional banks that feel slow and impersonal, our ambition is to build a financial product that is fast, intuitive, and genuinely supportive — one that helps Dashers not just hold money, but actively improve their financial health. To deliver on that promise, we need exceptional operators who can take tough operational problems, turn them into clear plans, and drive them to completion. As an Associate, you will: Own a core area of the Crimson banking program end to end — the metrics, the operating model, and the cross-functional partners who make it work Turn ambiguous operational problems into structured plans, and drive them through Product, Engineering, Legal, and external partners Build the monitoring and mechanisms that catch problems before users report them, rather than after Manage external vendors and partners: hold them to their SLAs, escalate when they miss, and negotiate what we need Disputes & Support This role owns the Crimson support and disputes experience — the systems, partners, and processes that determine

Principal Consultant – Finance Transformation Location: Edinburgh or Glasgow (Hybrid) | Practice Area: Finance, Risk, Regulatory & Financial Crime | Type: Permanent Empower finance leadership through strategic transformation The Role Capco is looking for Principal Consultants to join our growing Finance Transformation capability within the Finance, Risk, Regulatory & Financial Crime (FRRF) practice. You'll play a key role in helping CFOs, Treasurers, and senior finance leaders maximise the value of their finance and treasury functions through operating model redesign, process transformation, and strategic technology delivery. You'll also leverage approved AI tools and AI-enabled ways of working to improve analysis, accelerate insight generation, and enhance delivery while applying responsible AI practices and appropriate human oversight. What You'll Do Deliver finance transformation programmes spanning regulatory change (including Basel, IFRS, and PRA), finance technology, process optimisation, and operating model transformation, identifying opportunities to leverage AI-enabled workflows and automation. Partner with CFOs, Treasurers, and C-suite stakeholders to implement finance strategies, strengthen controls, and optimise regulatory reporting, including ICAAP, ILAAP, and Recovery and Resolution Planning (RRP). Define business requirements and manage end-to-end project delivery across finance, treasury, and regulatory change initiatives, ensuring appropriate governance where AI-assisted tools are utilised. Design and implement stress testing frameworks across credit, market, and liquidity risk to support regulatory compliance and strategic decision-making, using AI-enabled analysis where appropriate. Collaborate with technology teams to embed digital, automation, and AI-enabled solutions into finance processes, architecture, and operating models to improve efficiency and business outcomes. What We're Looking For Experience delivering finance transform

Principal Consultant – Finance Transformation Location: London (Hybrid) | Practice Area: Finance, Risk, Regulatory & Financial Crime | Type: Permanent Empower finance leadership through strategic transformation The Role Capco is looking for Principal Consultants to join our growing Finance Transformation capability within the Finance, Risk, Regulatory & Financial Crime (FRRF) practice. You'll play a key role in helping CFOs, Treasurers, and senior finance leaders maximise the value of their finance and treasury functions through operating model redesign, process transformation, and strategic technology delivery. You'll also leverage approved AI tools and AI-enabled ways of working to improve analysis, accelerate insight generation, and enhance delivery while applying responsible AI practices and appropriate human oversight. What You'll Do Deliver finance transformation programmes spanning regulatory change (including Basel, IFRS, and PRA), finance technology, process optimisation, and operating model transformation, identifying opportunities to leverage AI-enabled workflows and automation. Partner with CFOs, Treasurers, and C-suite stakeholders to implement finance strategies, strengthen controls, and optimise regulatory reporting, including ICAAP, ILAAP, and Recovery and Resolution Planning (RRP). Define business requirements and manage end-to-end project delivery across finance, treasury, and regulatory change initiatives, ensuring appropriate governance where AI-assisted tools are utilised. Design and implement stress testing frameworks across credit, market, and liquidity risk to support regulatory compliance and strategic decision-making, using AI-enabled analysis where appropriate. Collaborate with technology teams to embed digital, automation, and AI-enabled solutions into finance processes, architecture, and operating models to improve efficiency and business outcomes. What We're Looking For Experience delivering finance transformation programmes wit

About the Team The Startup Growth team is building the systems, programs, and automation that enable OpenAI to win startups at scale. We need to make it dramatically faster and easier to turn high-potential growth ideas into repeatable, measurable GTM motions without bespoke infrastructure for every program. About the Role The GTM Growth Programs Lead will own the shared capabilities that enable Startup GTM to incubate, launch, measure, and scale growth programs. The role will initially own credit and commercial programs while using that work to build reusable infrastructure for a broader portfolio of GTM motions. The goal is not to centralize program ownership: teams closest to startups should continue to identify, incubate, and own growth motions. This role will build the operating system that makes them dramatically better and faster at doing so. This role is based in San Francisco, CA. We use a hybrid work model of 3 days in the office per week and offer relocation assistance to new employees. In this role, you will: Build the GTM program platform for Startups. Develop shared infrastructure, tooling, and agentic systems that turn growth opportunities into scalable programs, automate work across the program lifecycle, and make each subsequent motion faster to launch. Own credit and commercial programs. Drive credit/commercial strategy and evolution while turning capabilities such as audience selection, eligibility, offer configuration, distribution, and measurement into reusable building blocks. Create a repeatable path from idea to scaled motion. Turn “we need to increase X” into targeted, operationalized, measurable GTM motions. Build leverage throughout the team. Enable ADs, VC Partnerships, and other Startup GTM teams to incubate and own programs independently rather than routing every motion through centralized operations. Develop shared measurement and experimentation frameworks and capabilities. Establish common approaches to sizing, economics, attribution

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. Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. On the Underwriting ML team, you’ll build and improve machine learning systems that make real-time transaction decisions, assessing the repayment risk and expected value of every Affirm checkout. You’ll work closely with experienced ML engineers, platform partners, and cross-functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring as user behavior and macroeconomic conditions evolve. What you’ll do - You will develop and iterate on underwriting prediction models using a mix of approaches for tabular and sequential data - You will build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed. - You will prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls. - You will help productionize models: integrate into batch and/or real-time decision systems, and improve reliability, latency, and operational robustness. - You will instrument and monitor model and data health, and help define retraining/backtesting workflows - You will collaborate across Engineering, Risk Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences. What we look for - You have a total of 2+ years of experience as a machine learning engineer or a PhD in a relevant field. - Strong Python skills and experience writing production-quality code. - Experience building and evalua

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. Role Overview We are seeking an energetic, analytical, and business-focused Manager – Business Finance to join our Lending Finance team. In this role, you will act as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios. You will be responsible for driving financial planning, developing bottom-up revenue models, tracking portfolio yields/costs, and delivering actionable insights to the CFO and CEO to maximize profitability and operational efficiency. Key Responsibilities 1. Revenue Modelling & Portfolio Economics - Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid). Model monthly/daily interest accruals, processing fee (PF) yields, First Loss Default Guarantee (FLDG) provisions, collection costs, and Cost of Funds (COF) across diverse lender partners. - Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening. 2. Business Partnering & Decision Support - Act as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches. - Analyze unit economics (Revenue per Disbursed/Booked Card, Net ROI, Take Rates, Risk-Adjusted Returns) at a product and lender level to guide business strategy. - Analyze risk vs. return trade-offs (GCL vs. Net ROI) across partner lenders to optimize portfolio allocation. 3. Financial Planning & Analysis (FP&A) - Lead the Annual Operating Plan (AOP) creation, monthly business

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office About our Data Science Teams: We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement and help us to build a bank that customers truly love. At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 15 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data scientists the head space to focus on more impactful business questions and analyses. How we hi

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London/Cardiff/UK Remote | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨ About the role Borrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe. We’re looking for a senior ML leader to help shape that next phase. You’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning — improving today’s models while helping build the next generation of capability for Monzo. This role combines near-term commercial impact with long-term strategic advantage : improving performance across our range of products unlocking new data and faster model development helping Monzo build underwriting that scales into new markets shaping how advanced ML and AI can create real value in Borrowing You’ll partner closely with leaders across Cre

Figma is growing our team of passionate creatives and builders on a mission to make design accessible to all. Figma’s platform helps teams bring ideas to life—whether you're brainstorming, creating a prototype, translating designs into code, or iterating with AI. From idea to product, Figma empowers teams to streamline workflows, move faster, and work together in real time from anywhere in the world. If you're excited to shape the future of design and collaboration, join us! Some of the most consequential problems at Figma don't belong to any one team: how our business model evolves as software shifts to AI and consumption, how we price and package what we're still inventing, where the next layer of growth comes from. We're looking for an exceptional operator to own problems like these and drive them to decisions that reach the CEO, CPO, and CFO - and beyond. As the first Director hire on our Business Operations team, you'll start with the highest-stakes arena we have today — Figma's business model and monetization strategy (pricing, packaging, our AI credit and consumption models, and the shape of the model itself) — and build and lead the small, high-leverage team that owns it. But the through-line of this role isn't a domain; it's you: a broad, first-principles operator who brings structure to ambiguity, earns exec trust fast, and turns strategy into shipped outcomes. This is a full-time role that can be held from one of our US hubs or remotely in the United States. What you'll do at Figma: Take Figma's most ambiguous, highest-stakes business questions from "no one knows" to a decision we can act on — and own the outcome Set the direction for how Figma monetizes the AI era: agents, consumption/usage-based billing, our APIs, and acquired businesses — with a real point of view on where the model is going, not just where it is Build and lead a small, exceptional team; set the bar for structured thinking and exec-ready synthesis Be the partner Product, Finance,

Ready to do the most impactful work of your career? At Coinbase , we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase . As a Senior Software Engineer on the Risk Engineering team within the Consumer & Business group, you'll build and optimize the systems that detect and prevent fraud, manage credit and market risk, and protect millions of users from financial threats in real time at crypto-market scale. You'll provide technical leadership for end-to-end projects, drive architectural decisions that shape our risk detection and mitigation systems, and deliver complex features from inception through production. Your work directly reduces financial loss and keeps Coinbase users safe. What you'll do: Lead the design and delivery of complex risk platform features end-to-end, from architecture through implementation, deployment, and monitoring, with stringent requirements for correctness, performance, and reliability Drive architectural decisions that shape Coinbase's risk detection and mitigation systems, translating ambiguous business requirements into scalable working architectures that balance fraud prevention with user experience Partner cross-functionally with Data Science, ML, Risk Analysts, Product, and Compliance teams to build proactive systems (real-time decisioning engines, model-driven fraud detection) and reactive solutions (incident response tooling, compliance-driven risk controls) Build AI-native risk systems that leverage fleets of agents to automate complex detection a

About the role Chime's Data Science & Machine Learning team builds the models, services, and platforms behind how millions of members manage and grow their financial lives. We're hiring AI/ML Engineers across several teams, Trust & Safety, Lending, Growth, and Foundation Models, and you'll be matched with the team where your background, experience and interests fit best. In this role, you'll build and deploy machine learning systems on some of the richest transactional and behavioral data in fintech, turning it into decisions that protect members from fraud, expand access to credit, and power the personalized experiences and marketing that help millions of members get more out of products like MyPay, Instant Loans, and SpotMe — along with the foundational models the rest of our teams build on. This is a highly applied role: you'll own problems end to end, from framing the question through to a model running in production and moving a metric that matters. In this role, you can expect to Build, train, and deploy deep learning and classical ML models on large-scale financial, transactional, and behavioral datasets Take models from problem framing through to production — training, evaluation, deployment, monitoring, and iteration — and stay accountable for how they behave once they're live Design and improve the systems around the model: feature pipelines, batch and real-time inference, monitoring, and retraining Partner with Product, Engineering, Analytics, and Risk to turn ambiguous business problems into ML solutions, and to make sure the solution is the right one Connect model performance to member outcomes and business metrics, and use experimentation to prove impact Contribute to the shared ML platform, tooling, and standards that the rest of the team builds on Help identify where AI/ML creates measurable impact for members — and where a simpler answer is the better one To thrive in this role, you have Experience building and deploying deep learning models

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management. This role owns and evolves the bank's core banking platform and account model, ensuring it is scalable, well understood and supports current and future product needs. It is a hands-on role. Alongside setting product direction, the role holder will write detailed requirements for our platform vendor, verify and regression test what they deliver, configure the platform directly, and act as the point of contact for colleagues across the business on day-to-day ledger questions and issues. The role requires comfort working inside the detail of account structures and transaction logic, not just directing others who do. Key Responsibilities: Platform & Product Ownership • Own end-to-end delivery, from problem definition to optimisation. • Set priorities, define success metrics and make informed trade-offs. • Evolve account structures and ensure scalable, consistent models. • Align product design with system capability and reduc

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London, UK | 💰 Base salary for this role is depending on experience + Stock Options | Hybrid working model Define and deliver the future of how UK businesses manage their money. This is a rare opportunity to shape one of Monzo’s most strategically important product areas, leading teams to build innovative, differentiated experiences that no other bank offers. You’ll set the long-term vision, craft a customer-obsessed strategy, and create the execution engine that turns ambition into reality. We’re looking for someone who pairs exceptional product taste with strong analytical depth, thrives in ambiguity, and can inspire multiple teams to deliver world-class outcomes. If you’re excited by the idea of redefining business banking for millions of customers—and building high-performing teams along the way—this role puts you at the heart of Monzo’s next chapter. What you’ll be working on: As the Senior Product Director for Business Banking, you will define and drive the product strategy, vision, and execution for one of Monzo’s most strategically important product areas. You’ll craft an ambitious roadmap rooted in deep customer insight

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍 Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office ⭐ Our Mobile Engineering team Our mobile engineers have a variety of different backgrounds There are ~60 Android engineers at Monzo and we’re looking for more to join the team. We have several non-graduates; only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we’d love to talk to you. Monzo works in small, interdisciplinary teams We have around 650 engineers out of roughly 5,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication. 🔑 You’ll play a key

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office ⭐ Engineering Management at Monzo Engineering Managers at Monzo are part of cross-functional, autonomous teams and groups. Our teams are mission driven, and typically include Product Managers, backend, web and mobile engineers as well as data scientists, designers and subject matter experts relevant to that mission. Teams are organised into groups, and then collectives - we aim to keep our line management structure as shallow as possible, and for teams to directly own decision making relevant to their work. Engineering Managers are accountable for the technical and delivery outcomes for their area - that means supporting and developing best in class engineering talent, as well as creating an inclusive team environment for people to do their best work. You’ll be responsible for structuring, organising, supporting and challenging your team to deliver on their mission. You can read more on the expectations of Engineering Managers on our Progressio