Head of Credit & Fraud; Fully Remote

• Happy Money is looking for a Head of Credit & Fraud to own credit and fraud risk strategy for our lending business.
• Reporting to the Chief Risk & Analytics Officer, you will set credit and fraud policy, lead the team, and be the senior credit voice with executives and capital partners.

Responsibilities:

• Own credit and fraud strategy across the customer lifecycle, from acquisition and underwriting through account management.
• Balance growth and losses to maximize risk-adjusted returns, and lead a disciplined test-and-learn agenda.
• Recruit, develop, and lead a high-performing team, and partner across the organization to scale credit and fraud strategies.

Qualifications:

• 12+ years in financial services with 8+ years of credit risk experience, including direct ownership of consumer lending strategy.
• Strong executive presence with experience presenting data-driven decisions to C-suite executives, boards, and external partners.
• Deep understanding of consumer lending regulation, including fair lending, FCRA, and model risk management.
• Generous medical, dental, and vision insurance options, plus 401k matching.
• 12 weeks paid parental leave, generous PTO, and company-paid disability and life insurance.
• Monthly tech stipend and a fully distributed remote work environment.

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions. With more than $6.5 billion in loans originated and a 100% fully distributed remote team, Happy Money brings together purpose-driven professionals focused on making a real impact.