Credit Risk Operations Team Lead Jobs

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: Freddie Mac’s Investments & Capital Markets Division is currently seeking a Quantitative Analytics Senior to be responsible for the creation, development, and execution of analytic models used to value Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) of various types of financial institutions. The candidate should be self-motivated, have a strong computational background, and effective communication skills. Under the Models & Analytics team, the candidate will support models primarily utilized by Freddie Mac’s Counterparty Credit Risk Management Team. The key focus is on credit risk scorecard modeling, but the tasks may also include LGD and EAD models. The position encourages continued learning and development across other modeling areas, including market risk capital, operational loss forecast, prepayment and default, and rates and derivatives . Our Impact: Key focus of this job is the design, development, and implementation of counterparty credit risk models for a variety of financial institutions, with primary focus on Probability of Default modeling. These models support multiple corporate and divisional objectives by providing key inputs into counterparty credit risk management, both at individual counterparty and portfolio levels. Y our Impact: Design, code and maintain consistent counterparty credit risk models (PD/LGD/EAD). These models must incorporate best practices while simultaneously accounting for the

Everpure (NYSE: P) has evolved from storage pioneer to data platform, closing fiscal 2026 with $3.7 billion in revenue, its first billion-dollar quarter, and accelerating growth into FY27. Our strategic agenda spans the companies defining the next era of technology - hyperscalers, AI labs, the AI hardware supply chain, data platform providers, and the broader AI ecosystem. This type of work—work that changes the world—is what the tech industry was founded on. So, if you're ready to seize the endless opportunities and leave your mark, come join us. THE ROLE Drive cash flow performance and operational excellence as a Collections Analyst at Everpure, serving as a functional ERP subject matter expert and global portfolio owner. In this high-impact position, you will bridge hands-on collections strategy with systems optimization to maximize liquidity and strengthen receivables health. Collaborating cross-functionally with Sales, Billing, Credit, CX, and Legal teams, you will turn complex financial data into proactive strategies that mitigate risk and deliver positive customer outcomes. WHAT YOU'LL DO Drive Portfolio Performance & Cash Flow: Manage a global commercial portfolio end-to-end, executing proactive dunning strategies and prioritizing high-exposure aging accounts to accelerate cash collections and reduce past-due balances. Resolve Multi-Party Disputes & Deductions: Partner with Sales, Billing, and Legal teams to investigate and resolve complex payment discrepancies, credit memo requests, and withholding tax reconciliations, protecting revenue integrity. Optimize ERP & Workflow Systems: Act as the functional ERP subject matter expert for AR and collections workflows, enhancing system usage, dunning automation, and data tracking to streamline operational efficiency across the team. Mitigate Credit Risk & Guide Order Decisioning: Evaluate customer payment trends and financial risk to advise credit teams on order hold/release statuses, balancing comm

Everpure (NYSE: P) has evolved from storage pioneer to data platform, closing fiscal 2026 with $3.7 billion in revenue, its first billion-dollar quarter, and accelerating growth into FY27. Our strategic agenda spans the companies defining the next era of technology - hyperscalers, AI labs, the AI hardware supply chain, data platform providers, and the broader AI ecosystem. This type of work—work that changes the world—is what the tech industry was founded on. So, if you're ready to seize the endless opportunities and leave your mark, come join us. THE ROLE Drive cash flow performance and operational excellence as a Collections Analyst at Everpure, serving as a functional ERP subject matter expert and global portfolio owner. In this high-impact position, you will bridge hands-on collections strategy with systems optimization to maximize liquidity and strengthen receivables health. Collaborating cross-functionally with Sales, Billing, Credit, CX, and Legal teams, you will turn complex financial data into proactive strategies that mitigate risk and deliver positive customer outcomes. WHAT YOU'LL DO Drive Portfolio Performance & Cash Flow: Manage a global commercial portfolio end-to-end, executing proactive dunning strategies and prioritizing high-exposure aging accounts to accelerate cash collections and reduce past-due balances. Resolve Multi-Party Disputes & Deductions: Partner with Sales, Billing, and Legal teams to investigate and resolve complex payment discrepancies, credit memo requests, and withholding tax reconciliations, protecting revenue integrity. Optimize ERP & Workflow Systems: Act as the functional ERP subject matter expert for AR and collections workflows, enhancing system usage, dunning automation, and data tracking to streamline operational efficiency across the team. Mitigate Credit Risk & Guide Order Decisioning: Evaluate customer payment trends and financial risk to advise credit teams on order hold/release statuses, balancing comm

Quant/Developer Analyst for a Discretionary Macro Investment Team focused on Structured Products A Career with Point72’s Macro Team Point72’s Global Macro business is a scaled, global investment platform with more than two decades of experience trading across rates, FX, credit, volatility, and emerging markets. Operating across 10 offices worldwide, we have doubled our capital allocation and grown our number of teams fivefold since 2020. We combine deep asset-class expertise with a highly collaborative culture across macro, fundamental equities, and systematic strategies to drive differentiated investment performance and support long-term career growth for our talent. What you’ll do Help architect and maintain the infrastructure for Structured Products investing. Leverage internal and external partners to help with data infrastructure builds. Integrate alternative and traditional data sets to help streamline our analytic processes. Use Artificial Intelligence (AI) to enhance and optimize processes. Work with risk parameters based on High Yield Equivalent and quantitative processes within market-standard analytics platforms such as Bloomberg. Manage and assist in special projects within the CLO market. What’s required 3+ years at a sell-side firm in a trading or quantitative research role, or as a quant at a buy-side credit or mortgage-focused fund. Undergraduate degree or higher in computer science, economics, engineering, mathematics, physics, or statistics. Advanced knowledge of a programming language such as Python, C++, or SQL. Advanced skills in Excel and cashflow modeling. Extensive experience with third-party structured credit cashflow engines (e.g., INTEX) and API. Commitment to the highest ethical standards. We take care of our people We invest in our people, their careers, their health, and their well-being. When you work here, we provide: Fully-paid health care benefits Generous parental and family leave policies Volunteer opportunities Support for employ

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role The Credit Engineering team builds the systems that enable Ramp to manage credit lifecycles for businesses end-to-end, from initial underwriting through ongoing portfolio strategy optimization. As an engineer on Credit, you’ll own systems that influence $100+ billion in annual payment volume through millions of decisions across our product stack in support of the most ambitious FinTech portfolio in the United States. We are looking for a backend engineer to own the technical roadmap for underwriting, limit management, portfolio optimization, and agentic workflows. You will build robust systems, automate complex operational tasks, and maintain the high-frequency controls that power all of Ramp’s products. If you are obsessed with correctness, excited by ambiguity, and passionate about problems at the intersection of distributed systems and financial strategy, this role is for you. What You'll Do Architect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio. Envision and build the next gene

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. We are looking for a Sanctions Screening Specialist to join LHV Bank’s sanctions team. If you have a strong interest in international sanctions, financial crime prevention, and regulatory compliance, and you bring experience in analysing screening alerts, this role could be the perfect fit for you. YOUR DUTIES AND RESPONSIBILITIES Analyse screening alerts to ensure compliance with international sanctions requirements. Work primarily with financial intermediation clients, collaborating with specialists across the globe. Conduct background research to assess potential sanctions matches and ensure compliance with regulatory requirements. Contribute to the development and improvement of screening rules and daily processes. Take an active interest in how the screening process operates and help enhance its effectiveness. SKILLS AND EXPERIENCE: Previous&nbsp

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

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role We are seeking an experienced Senior Manager, Credit Operations to build and lead SoFi Bank's specialized credit operations function across residential and Commercial loans. This role will oversee complex workflows across the credit lifecycle, including scenario intake, underwriting exceptions, condo and co-op project reviews, complex residential underwriting, and Commercial small-balance CRE underwriting and portfolio management. This l functional owner will set the operating model, priorities, resourcing, service standards, KPIs, KRIs, and governance routines for the function. The Senior Manager will partner closely with Sales, Operations, Underwriting, Credit Policy and Administration, Risk, Product, Finance, Legal, Compliance, Servicing, and senior leadership to deliver sound credit judgment, scalable processes, clear accountability, and a consistent member and business-partner experience. The ideal candidate is a seasoned credit leader with deep expertise in residential and commercial lending, particularly jumbo and portfolio underwriting, HNW and UHNW borrower profiles, complex refinances, and small-balance CRE underwriting and portfolio management. This is an opportunity to define an important capability at the intersection of credit judgment, operating design, policy, and member experience.

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role As a Staff Credit Policy Analyst for Home Loans will lead the design, governance, and continuous evolution of SoFi’s credit policy framework across Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products. This leader will own the strategic direction and operational oversight of credit policy development, ensuring all underwriting criteria are risk-aligned, investor-compliant, and digitally executable. You will serve as a key partner to Risk, Capital Markets, Product, and Operations—driving clarity, consistency, and scalability across all credit decisioning processes. In this role, you will provide strategic oversight of policy research, system automation, and audit readiness while fostering innovation in digital underwriting and credit enablement. What You’ll Do Credit Policy Leadership & Strategy Lead the end-to-end lifecycle of SoFi’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectives. Define and manage the credit policy governance framework, including approval processes, documentation standards, and version control practices. Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments. Oversee the roadmap for credit automation and deci

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role As a Staff Credit Policy Analyst– Condominium, Co-op & Project Review Strategy for Home Loans, you will lead credit policy strategy, governance, and execution, with a primary focus on condominium and co-op project review strategy, including warrantable and non-warrantable condominium programs. This role will support SoFi’s broader residential lending platform across Conforming, Government, CES, Home Equity, Portfolio, Jumbo, Non-Agency, and other specialty products. You will develop and maintain policy frameworks governing condominium and co-op project eligibility, non-warrantable condominium lending, project-level risk assessment, documentation requirements, exceptions, investor compliance, and escalation practices. You will serve as a strategic partner to Credit Risk, Credit Operations, Capital Markets, Product, Operations, Legal, Compliance, and Technology. The role will translate complex credit, regulatory, investor, and market requirements into clear policy, effective controls, scalable processes, and executable business rules. What You’ll Do Credit Policy Leadership & Strategy Lead the development, governance, and continuous improvement of credit policies across SoFi’s home lending products. Own the strategy and policy framework for condominium and co-op project reviews, including war

Based at Sun Day Red (SDR) Headquarters in San Clemente, California, the Senior Collector – Global Credit & Collections is responsible for managing a multi-million-dollar Accounts Receivable portfolio of approximately 1,500-2,000 global accounts and a multi-million-dollar open order book. This role strongly focus on credit risk management, collections, and cash flow optimization within the apparel and footwear industry. T he successful candidate will partner closely with Sales, Customer Service, Operations, and Finance to evaluate credit exposure, drive collections, minimize risk, support revenue growth, and ensure compliance with company credit policies. Exceptional analytical skills, attention to detail, sound business judgment, and a proven ability to manage complex customer relationships in a fast-paced global environment are essential . Essential Functions and Key Responsibilities: Manage a multi-million-dollar Accounts Receivable portfolio consisting of approximately 1,500-2,000 global customer accounts within the apparel, footwear, and manufacturing sectors. Drive collection activities to maximize cash flow, reduce delinquency, and achieve established DSO and aging targets. Review and manage a multi-million-dollar open order book, making informed credit decisions regarding order releases, holds, and credit exposure. Evaluate customer creditworthiness through financial analysis, payment trends, credit bureau reports, and risk assessments. Monitor customer accounts to identify potential credit risks and proactively implement mitigation strategies. Negotiate payment arrangements, resolve disputes, and secure timely payment of outstanding balances. Collaborate with Sales, Customer Service, Operations, and Finance to resolve account issues a

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 Multifamily Capital Markets is seeking an exceptionally curious, analytical, and driven professional to help identify, prioritize, and deliver the initiatives that can most improve the business. This is a rare opportunity to develop a broad view across the Multifamily Capital Markets organization, including loan pricing, pipeline risk management, portfolio management, securitization, credit-risk transfer, operations, and technology. You will work directly with a Capital Markets leader who brings deep Multifamily expertise, extensive Wall Street markets and product experience, and a track record of developing innovative solutions to complex financial problems. Together, you will examine how the business operates, identify its highest-impact opportunities, challenge existing assumptions, and develop solutions from first principles. This is a hands-on role combining original problem-solving, quantitative analysis, and end-to-end initiative delivery. You will research unfamiliar topics; analyze financial, market, and operational data; build analytical models and lightweight Python prototypes; test hypotheses; frame business questions; and develop fact-based recommendations. You will write the memos and presentations that move decisions forward, document conclusions and requirements, coordinate contributors, maintain project plans and follow-ups, and drive multiple initiatives through organizational and technical roadblocks from initial idea through implementation. This role is designed for someone who enjoys learning unfamiliar topics, solving difficult problems, and taking ownership of outco

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 Multifamily Capital Markets is seeking an exceptionally curious, analytical, and driven professional to help identify, prioritize, and deliver the initiatives that can most improve the business. This is a rare opportunity to develop a broad view across the Multifamily Capital Markets organization, including loan pricing, pipeline risk management, portfolio management, securitization, credit-risk transfer, operations, and technology. You will work directly with a Capital Markets leader who brings deep Multifamily expertise, extensive Wall Street markets and product experience, and a track record of developing innovative solutions to complex financial problems. Together, you will examine how the business operates, identify its highest-impact opportunities, challenge existing assumptions, and develop solutions from first principles. This is a hands-on role combining original problem-solving, quantitative analysis, and end-to-end initiative delivery. You will research unfamiliar topics; analyze financial, market, and operational data; build analytical models and lightweight Python prototypes; test hypotheses; frame business questions; and develop fact-based recommendations. You will write the memos and presentations that move decisions forward, document conclusions and requirements, coordinate contributors, maintain project plans and follow-ups, and drive multiple initiatives through organizational and technical roadblocks from initial idea through implementation. The successful candidate will be expected to operate with substantial independence and combine analytical depth with exceptio

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: We are seeking an experienced Senior Manager, Secured Commercial Real Estate Lending to help lead SoFi Bank’s secured commercial real estate lending function. This role will oversee complex workflows across the commercial lending lifecycle, including origination, underwriting, credit administration, portfolio management, servicing coordination, and ongoing portfolio monitoring. This leader will be responsible for driving day-to-day execution, operational planning, resourcing, KPIs, KRIs, credit strategy implementation, portfolio discipline, and risk monitoring for the secured commercial real estate lending unit. The Senior Manager will partner closely with Credit, Risk, Operations, Finance, Legal, Compliance, Servicing, and senior leadership to ensure the function operates with strong governance, sound credit judgment, scalable processes, and clear accountability. The ideal candidate is a seasoned commercial lending and credit leader with deep expertise in secured commercial real estate lending, strong problem-solving skills, and experience leading complex workflows across teams or business environments. What you’ll do: Lead complex commercial lending workflows Lead key workflows across the secured commercial real estate lending lifecycle, including originations, underwriting, credit administratio

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 consumers and small businesses with payments, commerce, and credit. 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 looking for an early-career Product Manager to join Paytm Lending. The role is about re-imagining how a lending business runs, from underwriting and risk to operations and customer journeys, using LLMs and AI agents. It is a hands-on role. You will dig into data, edge cases, and day-to-day operational problems to understand them from the ground up before designing solutions. We are looking for first-principles thinkers who enjoy building with LLMs and like going deep on real problems. Key Responsibilities - Identify workflows across lending (underwriting, risk, recon, operations, collections) where LLMs and agents can add value, and judge where they cannot. - Build and ship product solutions from prototype to production, working closely with engineering. - Dig into data, edge cases, and operational detail to understand problems at the root. - Partner with stakeholders across risk, operations, engineering, and business to align priorities and drive delivery. - Write clear product requirement documents and manage roadmaps and deliverables. - Use data to define hypotheses, run experiments (A/B), and track impact; use SQL or Excel to access and validate data independently. - Track key product and data metrics (OKRs and KPIs) and adjust strategy as needed. Requirements - Bachelor's degree in engineering, computer science and/or related field with MBA from top tier colleges. - 2 to 4 years of professional experience in product management, product analytics, or a similar role, with a strong customer-first mindset. - Genuine, hands-on experience building with LLMs.