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Head Of Credit Risk Jobs in Ridgewood, NJ (NOW HIRING)

Brigit

Head of Credit

New York, NY · On-site

The Head of Credit will own the strategy, performance, and outcomes of this system end-to-end ... This is a senior, management-level role with direct accountability for credit risk outcomes. This ...

Slash Financial

Head of Credit

New York, NY · On-site

About The Role We're looking for a Head of Credit to own and scale our credit offerings. This ... This is not a back-office risk role. You'll sit at the center of the business, working closely with ...

BNY

Director, Credit Risk Review

Manhattan, NY · On-site

$130K - $211K/yr

Lead or participate in opening meetings, closing meetings and communicate any issues to the Head of Credit Risk Review, senior management and the credit risk team of the lending and/or derivatives ...

BNY

Director, Credit Risk Review

Manhattan, NY · On-site

$130K - $211K/yr

Lead or participate in opening meetings, closing meetings and communicate any issues to the Head of Credit Risk Review, senior management and the credit risk team of the lending and/or derivatives ...

IDBNY

Credit Risk Analytics & Modeling

Manhattan, NY · On-site

Head of Credit Risk Analytics & Modeling Visa Sponsorship: Not available About IDB Bank For more than 70 years, IDB Bank has been committed to delivering exceptional service and building long-term ...

Order.co

Director of Credit & Risk

New York, NY · On-site

$190K - $220K/yr

This role reports into the Head of Payments & Credit and operates as the day-to-day owner of the ... Identify emerging risk signals and take proactive action to protect portfolio performance. Lender ...

ING Group

Director, Credit Risk Review

New York, NY · On-site

$216K - $273K/yr

Reporting to the Head of Credit Risk Review (CRR HoD), a CRR Director is sufficiently experienced to capably execute most business-as-usual functioning for the group. A Director will be capable of ...

ING Group

Director, Credit Risk Review

New York, NY · Hybrid

$216K - $273K/yr

Reporting to the Head of Credit Risk Review (CRR HoD), a CRR Director is sufficiently experienced to capably execute most business-as-usual functioning for the group. A Director will be capable of ...

BBVA

Credit Risk Review Senior Vice President

New York, NY · On-site

$180K - $200K/yr

Summary The candidate will report to the USA Head of Credit Review and is responsible for independently managing all aspects of credit risk reviews. The position requires a self-driven, problem ...

Ares Management

Head of Credit Technology

Manhattan, NY · On-site

... serve as Head of Credit Technology. This role is responsible for the strategy, platforms, and ... Portfolio performance monitoring Credit risk analytics Covenant tracking and borrower monitoring ...

Constrafor

Head of Credit Underwriting

New York, NY · On-site +1

$185K - $210K/yr

As Head of Credit Underwriting , you'll own risk across credit underwriting, portfolio construction, fraud, and compliance , and you'll build the systems, controls, and team needed to support rapid ...

Constrafor

Head of Credit Underwriting

New York, NY · Hybrid

$185K - $210K/yr

As Head of Credit Underwriting , you'll own risk across credit underwriting, portfolio construction, fraud, and compliance , and you'll build the systems, controls, and team needed to support rapid ...

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All JobsHead Of Credit Risk JobsHead Of Credit Risk Jobs in Ridgewood, NJ

Head Of Credit Risk information

See Ridgewood, NJ salary details

$87.5K

$160.2K

$242.3K

How much do head of credit risk jobs pay per year?

As of Jun 10, 2026, the average yearly pay for head of credit risk in Ridgewood, NJ is $160,178.00, according to ZipRecruiter salary data. Most workers in this role earn between $135,100.00 and $179,600.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Head of Credit Risk, and why are they important?

To thrive as a Head of Credit Risk, a deep understanding of credit risk analysis, portfolio management, and regulatory requirements is essential, often supported by a degree in finance, economics, or a related field. Expertise with risk assessment tools, credit risk modeling software, and familiarity with regulatory systems like Basel Accords are typically required. Strong leadership, analytical thinking, and effective communication are vital soft skills for managing teams and influencing strategic decisions. These skills ensure robust risk management practices, regulatory compliance, and the financial stability of the organization.

What does a Head of Credit Risk do?

A Head of Credit Risk is responsible for overseeing an organization's credit risk management strategies and policies. They analyze credit data, assess potential risks associated with lending, and ensure compliance with regulatory requirements. This role involves leading a team, developing risk assessment models, and working with other departments to minimize financial losses from credit exposures. The Head of Credit Risk also reports to senior management and helps shape the company's overall risk appetite and lending standards.

What is the difference between Head Of Credit Risk vs Credit Risk Manager?

AspectHead Of Credit RiskCredit Risk Manager
ResponsibilitiesOversees entire credit risk strategy, policy development, and team leadershipManages credit risk assessments, monitoring, and reporting within specific portfolios
Required CredentialsTypically requires advanced degrees and extensive experience in credit riskRequires relevant experience and certifications like CFA or credit risk courses
Work EnvironmentStrategic, leadership-focused, often in senior management meetingsOperational, analytical, focused on credit assessments and monitoring

The Head Of Credit Risk holds a senior leadership role, shaping overall credit policies, while the Credit Risk Manager focuses on day-to-day risk assessment and management. Both roles require relevant experience and certifications, but differ mainly in scope and strategic influence.

What are some common challenges faced by a Head of Credit Risk, and how can they be addressed?

A Head of Credit Risk often encounters challenges such as adapting to rapidly changing market conditions, ensuring robust risk assessment models, and maintaining regulatory compliance. Balancing risk minimization with business growth targets requires strong analytical skills and cross-department collaboration. Regularly updating risk policies, leveraging advanced analytics, and fostering open communication with lending, compliance, and IT teams helps address these challenges effectively. Staying proactive and fostering a culture of continuous improvement are also key to success in this leadership role.
What job categories do people searching Head Of Credit Risk jobs in Ridgewood, NJ look for? The top searched job categories for Head Of Credit Risk jobs in Ridgewood, NJ are:
What cities near Ridgewood, NJ are hiring for Head Of Credit Risk jobs? Cities near Ridgewood, NJ with the most Head Of Credit Risk job openings:
Head Of Credit Risk jobs near you
Head of Credit

Head of Credit

Brigit

New York, NY • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 2 days ago

Job description

Hi, we're Brigit! A holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team!
Brigit is doing innovative and exciting work, but don't just take our word for it, our work is being recognized by others:
  • Built In's 2026 Best Midsize Companies to Work For in New York City
  • Built In's 2025 Best Places to Work For In New York City
  • Built In's 2024 & 2025 Best Startups to Work For In the U.S.
  • Built In's 2023 - 2025 Best Startups to Work For In New York City
  • Fast Company's Most Innovative Companies of 2022
  • Business Insider's Most Promising Consumer Startups 2022
  • Forbes Fintech 50 2022

Role Overview:
We are looking to hire a Head of Credit to expand and improve our underwriting capabilities and manage Brigit's growing credit portfolio as we scale beyond cash advances into products such as a Line of Credit. This role requires deep experience in credit underwriting using alternative data (non-FICO, ideally cashflow-based) and strong judgment operating in near-prime to underserved consumer segments.
Brigit's underwriting platform adapts in near real time to changes in user behavior by leveraging bank transactional data, allowing us to both evaluate new applicants and continuously monitor the performance of our outstanding portfolio. The Head of Credit will own the strategy, performance, and outcomes of this system end-to-end.
This is a senior, management-level role with direct accountability for credit risk outcomes. This individual will be a core thought partner to executive leadership, contributing to company-wide strategy, including product expansion, portfolio scaling, and capital efficiency. The role collaborates closely with Product, Data Science, Engineering, Finance, Legal, Compliance, Operations, Marketing, and Data, and is critical to Brigit's ability to scale responsibly and profitably.
What you'll be doing:
Credit Strategy & Portfolio Ownership
  • Own Brigit's credit strategy end-to-end across products, including cash advance, Line of Credit, and any new credit products.
  • Define and evolve underwriting frameworks, portfolio guardrails, and risk appetite, aligned with company growth and profitability goals.
  • Lead portfolio management, including monitoring performance, loss curves, vintage analysis, stress testing, and cohort-level optimization.
  • Incorporate macroeconomic signals into forward-looking strategy and make principled tradeoffs between growth, profitability, and risk.

Product & Underwriting
  • Partner with Product to design credit products using cash-flow data and alternative signals.
  • Own credit policy design, experimentation, and iteration across the user lifecycle.
  • Drive limits, eligibility strategies, and pricing to balance growth, risk, profitability, and customer outcomes.
  • Partner with Finance on product valuation and unit economics.
  • Work closely with Product and Marketing on the design and launch of new credit products, influencing product roadmap decisions where credit risk or unit economics are material.

Modeling, Data & ML Collaboration
  • Work closely with Data Science to build, deploy, and iterate on ML-driven underwriting and fraud models.
  • Translate business objectives into model requirements and ensure strong post-deployment monitoring.
  • Establish model governance, performance monitoring, and recalibration processes.
  • Maintain a roadmap for underwriting and scoring improvements, including new data sources and techniques to improve approval rates while maintaining acceptable delinquency and loss levels

Fraud & Risk Controls
  • Own credit-related fraud strategy, balancing prevention with approval rates and customer experience.

Team Leadership & Execution
  • Build, lead, and mentor a high-performing credit team across credit strategy and analytics.
  • Define and manage to clear KPIs (e.g., approval rates, delinquency, contribution margin, etc.).
  • Establish operating rhythms, dashboards, and decision-making frameworks.
  • Stay hands-on in execution, especially in the early stages of new product launches.
  • Present credit performance, risk posture, and forward-looking insights to executive leadership.

What you have:
  • 7+ years of experience in retail or consumer lending in a credit, risk management, or underwriting role
  • Demonstrated ownership of credit strategy and portfolio performance for scaled consumer lending products
  • Strong experience using alternative data for underwriting (non-FICO); bank transactional data experience is a significant plus
  • Working experience with data science and machine learning concepts, including collaboration on model development and deployment
  • Solid understanding of modeling and ML methods and tradeoffs (e.g., regression, classification, forecasting)
  • Comfort writing, reviewing, or closely engaging with code (e.g., SQL, Python), particularly early on
  • Experience in building and managing small to medium-sized teams
  • Startup or high-growth fintech experience strongly preferred
  • Experience working across credit, product, and analytics functions
  • Strong interest in building fair, responsible credit products that improve customer outcomes

The anticipated annual base salary for this position is $220,000 - $240,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below). The actual base salary offered depends on a variety of factors, which may include as applicable, the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job.
Our Benefits & Team:
  • Medical, dental, and vision insurance
  • Flexible PTO Policy
  • 401k plan
  • Paid Parental Leave
  • Physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support
  • Monthly reimbursements to use against wifi and cell phone bills
  • Annual reimbursement for Learning & Development
  • Help hard working Americans build a brighter financial future
  • High-growth company
  • A dynamic, flexible and collaborative start-up work environment with a highly talented team

Brigit is committed to providing equal employment opportunities for all applicants and employees without regard to race, religion, color, sex, pregnancy (including breast feeding and related medical conditions), national origin, citizenship status, uniform service member status, age, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. We are proud to be an equal opportunity workplace.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email accommodations@hellobrigit.com.
Disclosures:
  • For information on our data privacy policies, see the Brigit California Personnel Privacy Policy.
  • Brigit uses E-Verify for employment authorization. See the E-Verify and Department of Justice websites for more details.

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