Director Loan Credit Risk Pricing Optimization at Climb Credit

Who We Are
Climb Credit (NMLS# 1240013) is an innovative student financing and payments platform that makes career-advancing education more accessible, affordable, and accountable than ever before. 

Climb identifies programs and schools with a demonstrated ability to improve the earnings of their graduates.  Climb partners with schools that teach everything from cybersecurity to healthcare, heavy machine operation to data science, and culinary arts to coding. 

We provide learners with financing and payment options that are priced and structured to meet the unique needs of those seeking career elevation and increased earning power. 

Climb Credit’s mission is to expand access to career advancing education and we aim to do this for all communities. Therefore, we are committed to building a workforce that’s a representation of our learners. Climb fosters an inclusive work environment to all its employees; We celebrate diverse representation and diverse thinking.

To further this commitment, we’ve set a goal to promote inclusivity and equity in our workplace internally and with schools and financing providers externally. We do this through our company DEI Taskforce meetings to work through these initiatives. Climb acknowledges its power in providing access to educational opportunities and the positive impact of diversity, which is why we have taken on this commitment to push forward this work. We encourage our employees to be their most authentic selves and strive to create, nurture and sustain an inclusive culture for our employees and learners.


Climb’s Values
- Drive access and inclusivity
- Build a better system
- Own the solution
- Iterate and experiment
- Succeed together



Overview of Role
We are looking for a strong consumer credit leader who is excited to join the Credit team at a fast-growing startup. The candidate will help lead the growth and expansion of our student loan offerings. The ideal candidate will have experience in all aspects of  consumer credit: default risk, pricing, feature optimization and working with marketing, revenue and product/tech teams on taking it to the market.


Responsibilities

Own the creation of loan features and pricing based on credit risk and market inputs  - working with the revenue team to identify products & features needed in each school vertical, and working to deliver those products in collaboration with others in credit, and finance, product/tech teams. 
Develop loan features, pricing, and school incentives to manage loan product profitability. 
Continuously evaluate portfolio level performance, and build roadmaps for development. 
Mentor junior team members. 



Your Background and Skills

5-7 Experience working on consumer loan products: BNPL/In-direct Auto/Student Loans including in pricing, loan features, profitability determination. 
5-7 years in consumer credit data, regulations, competitive landscape
5-7 years as a data scientist /managing credit risk analysts/data scientists.
Experience using data analytics tools and techniques (like Python/R, Develop statistical models)
3+ years experience with SQL and data visualization tools.
3+ years of experience with data manipulation and analysis with large data sets.
Willingness to take initiative and solve problems with limited direction.
Ability to think critically and challenge assumptions.
Excited to learn and understand business objectives, and help ensure that our products deliver value to students and schools
Ability to work in a very fast-paced and fluid small-team environment at a growing company
Strong oral and written communication skills
Professional, detail-oriented, and energetic personality
Ability to succeed in an entrepreneurial culture
Values diverse, inclusive teams and creating an environment where people of all identities, experiences, and backgrounds can thrive



Nice to Have

Consumer credit and pricing strategy experience in student loans.
Bachelor’s Degree or a Master’s Degree in a quantitative field, such as mathematics, financial engineering, data science, econometrics, etc.
Capable of rapid expansion into larger responsibilities as the company grows.
Strong belief in continuous self-improvement.




Perks & Benefits

Competitive salary and annual bonus
Company equity
Annual education stipend
Work from Home stipend
Health benefits (coverage for medical, dental, and vision costs, life insurance, and more)
Unlimited PTO
Remote work
"Light Meeting Fridays" year-round
"Summer Friday" afternoons off
Paid parental leave
In-person and virtual team events
DoorDash Wednesdays
401k with company match



Climb earned a spot on Inc Magazine’s 5000 fastest growing companies in 2020!

We’ve raised hundreds of millions of dollars of lending capital from financiers such as The Blackstone Group and Goldman Sachs. We are currently 40 passionate technologists and business people excited to be changing the face of modern education.

Read about us in the news, check out our company values, and find us on Comparably.

Climb Credit is proud to be an equal opportunity employer, and we are committed to building a team that represents a variety of backgrounds, perspectives, and skills.