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Posted 5 months ago
Requirements and responsibilities
Job DescriptionBest Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.We offer a flexible work experience, top-tier benefits, and growth opportunities in a culture built on our core values:Put People First – We foster an inclusive, flexible, and fun workplace.Create Clarity – Open communication drives trust and results.Get Things Done – We focus, prioritize, and deliver with excellence.Deliver with Heart – We lead with kindness, humility, and strong teamwork.Listen to Our Customers – Their needs drive our innovation.We are looking for collaborative, innovative team players who like to solve problems. If you are inspired by inspiring others and want to make a real difference, Best Egg is the place for you.Equal Opportunity – We are proud to be an equal opportunity employer committed to building a diverse, inclusive team.We are seeking a Senior Director of Credit & Pricing Strategy – Auto with deep expertise in near-prime and sub-prime auto lending to join our fast-growing fintech organization. This individual will lead the strategy and execution of credit risk and pricing for our auto-secured lending products, owning all aspects of product eligibility, pricing, underwriting, and risk-return optimization.This highly visible role will work cross-functionally with senior stakeholders and drive product innovation, conversion improvement, customer experience enhancements, and investor returns. The role is both strategic and hands-on — requiring an executive mindset with the ability to roll up sleeves and dive into data.ResponsibilitiesLead development and optimization of credit and pricing strategies for auto-secured personal loans, including:Credit policy and underwriting criteriaPricing structure, APR optimization, and elasticity modelingFee structure, loan amount sizing, verification, and fraud mitigationDesign and execute test/control strategies (champion/challenger) to validate underwriting and pricing performanceAnalyze portfolio trends, vintage performance, and external benchmarks to inform strategic shiftsPartner with Decision Science to develop, enhance, and implement risk and pricing modelsMaintain investor return targets in dynamic economic conditionsPresent business cases, performance updates, and strategy recommendations to the C-suite and capital partnersCollaborate with Product, Marketing, Operations, Finance, and Capital Markets to drive enterprise-wide initiativesLead a high-performing team with a focus on coaching, mentorship, and developmentQualificationsExperience & Technical Skills10+ years of experience in financial services with a focus on credit risk, pricing, and product strategyMust have direct to consumer experience in near-prime/sub-prime auto lending (e.g., secured personal loans or traditional auto loans)Bachelor’s degree in a quantitative discipline (Statistics, Mathematics, Engineering, Economics, etc.); Master’s degree a plusExpertise in analytical tools and data analysis (Excel required; Python strongly preferred; SQL, SAS or R)Deep understanding of credit bureau data, alternative data, pricing elasticity, and risk modelingLeadership & CommunicationDemonstrated ability to influence senior leaders and drive cross-functional initiativesComfortable working in ambiguous, high-growth environmentsExperience managing or mentoring a team of analysts or strategistsExecutive presence with excellent verbal and written communication skillsCultural FitStrong bias for action and data-driven decision makingWillingness to challenge the status quo and explore creative approachesBelief in collective ownership, transparency, and continuous learningThrives in fast-paced, performance-oriented environmentsSalary Range$230,000 - $245,000 a yearIn addition to semi-monthly salary payments, this position is also eligible for an annual incentive bonus based on individual and company performance. Yearly incentive bonus target 30% of base salary. This position may also be eligible for a long-term cash incentives.Employee BenefitsBest Egg offers many additional benefits for our employees, including (but not limited to):Pre-tax and post-tax retirement savings plans with a competitive company matching programGenerous paid time-off plans including vacation, personal/sick time, paid short-- term and long-term disability leaves, paid parental leave, and paid company holidaysMultiple health care plans to choose from, including dental and vision optionsFlexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement AccountsCompany-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programsOther great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!#LI-REMOTEIn compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy hereAI disclaimerWe may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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