Director, Credit Systems

• Develop and execute the strategic and technical roadmap for credit technology and transformation initiatives
• Migrate credit workflows from legacy systems to automated decisioning platforms
• Translate credit policies into system-based rules, decision logic, workflows, queues, and automated processes
• Provide technical leadership for credit decisioning platforms, including configuration, workflow design, integrations, testing, deployment, and optimization
• Lead initiatives improving profitability, fraud prevention, operational efficiency, and decision quality
• Modernize credit infrastructure through automation, AI, advanced analytics, and process transformation
• Design and implement end-to-end workflows and queues for credit underwriting, funding, dealer underwriting, and dealer support operations
• Lead expansion of automated underwriting from consumer credit decisioning to dealer underwriting
• Partner with Risk, Analytics, Engineering, IT, Product, technology stakeholders, and third-party vendors
• Provide technical leadership for system architecture, solution design, APIs, system interfaces, data mapping, and data flows
• Manage UAT, deployment readiness, post-implementation monitoring, legacy system decommissioning, testing, and production releases
• Establish monitoring and observability using tools such as Datadog
• Monitor system performance, portfolio KPIs, policy compliance, and model outcomes; identify discrepancies and implement improvements
• Maintain system documentation, testing results, change management records, and governance of AI and decisioning models
• Lead modernization of Aqua Finance's credit decisioning platforms across consumer and dealer lending

• Bachelor's degree in Statistics, Mathematics, Computer Science, or STEM field, or commensurate work experience, required
• 7 years of progressive experience in credit administration, lending operations or fintech risk platforms, automated underwriting, or credit decisioning platforms
• 3 years of people management experience required
• Hands-on experience implementing, configuring, and optimizing credit decisioning platforms such as Oscilar, Alloy, GDS Link, Zoot, or similar platforms
• Strong understanding of API integrations, system architecture, solution design, data mapping, data lineage, and upstream and downstream data flows
• Experience integrating credit decisioning platforms with credit bureaus, fraud and identity providers, income verification, pricing engines, underwriting systems, funding platforms, and other internal and external systems
• Experience partnering with IT and Engineering teams on technical requirements, architecture, product solutions, integrations, implementation, and production support
• Experience designing and implementing automated underwriting workflows for consumer and dealer underwriting, as well as funding and dealer support operations
• Familiarity with application monitoring and observability tools such as Datadog and troubleshooting production issues across APIs, integrations, data pipelines, and distributed systems
• Advanced Excel and SQL skills and familiarity with reporting tools such as Power BI and Sigma preferred
• Strong analytical, communication, leadership, and stakeholder management skills
• Ability to thrive in a fast-paced work environment
• Strong quantitative and qualitative analytical skills

Demonstrates expertise in developing and executing strategic roadmaps for credit technology, with a strong focus on automated underwriting, system architecture, and integration of credit decisioning platforms. Proven ability to lead teams, manage projects, and optimize workflows to enhance operational efficiency and decision quality.

• Credit Decisioning Platforms
• Automated Underwriting Workflows
• API Integrations
• Data Mapping
• People Management

• SQL
• Advanced Excel
• Statistical Analysis
• Data Lineage
• System Architecture
• Solution Design
• Workflow Design
• Configuration
• Optimization
• Technical Leadership

• Analytical Skills
• Communication Skills
• Leadership Skills
• Stakeholder Management
• Problem-Solving Skills

• Credit Administration
• Lending Operations
• Fintech Risk Platforms
• Fraud Prevention
• Operational Efficiency

• Datadog
• Power BI
• Sigma
• Oscilar
• Alloy
• GDS Link
• Zoot