Senior Vice President Risk Management

Must Haves

• Minimum 15 years of progressive risk management experience in financial services
• Demonstrated experience in both traditional banking/financial institutions AND fintech/digital lending environments
• Deep expertise in credit risk management across the credit spectrum (prime to subprime) in both consumer and small business lending
• Experience with AI/ML applications in underwriting, fraud detection, and risk modeling
• Prior experience as Head of Risk, or equivalent senior risk leadership role
• Strong understanding of digital lending platforms, API integrations, and fintech infrastructure
• Strong knowledge of regulatory compliance for digital lending (TILA, ECOA, FCRA, state licensing, etc.)
• MBA or equivalent advanced degree
• Able to commute into Woodbridge, NJ 3x per week

Plusses

• Professional certifications such as FRM, CFA, or relevant risk management credentials preferred
• Experience managing risk for loan origination platforms that sell loans to capital partners or investors
• Track record navigating funding challenges and capital partner relationships
• Prior experience at a fintech startup that scaled successfully
• Experience managing risk during periods of organizational change or transformation
• Experience with equipment financing or small business lending
• Board-level or investor presentation experience

Day to Day

One of our growing fintech firms is seeking an SVP of Risk Management. Reporting to the Chief Risk Officer, the SVP of Risk Management will lead all aspects of enterprise risk across credit, operational, compliance, fraud, cyber, third-party, and regulatory domains, ensuring strong governance while supporting sustainable, profitable growth in a fast-paced fintech environment. The role integrates the company’s risk appetite with business strategy, oversees capital adequacy and regulatory expectations, and partners closely with executive leadership, capital partners, and the board during a period of organizational transformation. The SVP will oversee credit risk and underwriting across consumer and commercial lending, including ownership of the LOS and underwriting platform, continuous optimization of AI/ML-driven models, portfolio monitoring, stress testing, and credit policy development. This leader will also drive fraud prevention, operational resilience, cybersecurity, and third-party risk management using advanced technologies, analytics, and strong internal controls. A core focus of the role is championing data, analytics, and emerging technologies to enhance risk modeling, fraud detection, data governance, and overall risk management capabilities. The SVP will support investor and capital partner relationships through due diligence and risk presentations while managing ongoing stakeholder communication. Finally, the role includes building and developing a high-performing risk organization, fostering a strong risk culture, and collaborating cross-functionally as the company scales.