Prime Financial Technologies
Prime Financial Technologies is a software company with a mission to accelerate small businesses. We harness advanced data science to simplify and accelerate credit distribution to small and medium‑sized businesses. At the cutting edge of embedded finance and ecosystem lending, we deliver sophisticated analytics to sharpen pre‑qualification and underwriting processes and provide customized financing solutions for marketplace and SaaS platforms. Our investors include Capital One and NEA.
Position Overview As Head of Credit, you will shape Prime’s credit strategy and risk‑management framework, develop and oversee credit policies, manage the entire credit lifecycle from origination to collections, and lead cross‑functional teams in building data‑driven credit products for SMBs.
Location This role is available in the Bay Area or NYC.
Time Zone Requirements The team operates in both East and West Coast time zones.
Travel Requirements The team has regular onsite collaboration sessions, occurring several consecutive days per month at the Bay Area or NYC office. Prime will cover all travel expenses.
Key Responsibilities
Lead product development with Product, Engineering, and Data Science teams to innovate and implement credit products across multiple industry sectors that meet evolving SMB needs.
Manage relationships with balance‐sheet partners, investors, regulatory bodies, and other stakeholders, communicating credit performance and risk‑management strategies effectively.
Develop and refine credit risk‑management strategy and policies in alignment with business objectives.
Lead the credit risk assessment framework, incorporating advanced data analytics and machine learning models to enhance decision‐making and risk prediction.
Oversee the entire credit lifecycle, ensuring optimal performance and management of the loan portfolio from origination through servicing to collections.
Provide leadership and direction to the credit and risk‑management teams, fostering a culture of continuous improvement and data‑driven decision‑making.
Stay abreast of industry trends, regulatory changes, and technological advancements that impact the credit risk framework and lending products.
Integrate Prime’s core values—Win the Day, Get out of the Building, Embrace the Unknown, and Excellence as a Habit—into all daily responsibilities and professional interactions.
Qualifications
10+ years of experience in credit risk management, with a significant portion in fintech or SMB lending.
Proven track record of developing and managing credit policies and risk assessment models, preferably with exposure to data science and analytics‑driven environments.
Strong leadership skills, capable of inspiring and managing a high‑performing team in a fast‑paced startup environment.
Deep understanding of regulatory compliance and reporting requirements relevant to fintech and lending industries.
Exceptional analytical and problem‑solving skills with a data‑forward thinking approach.
Ability to thrive in a roll‑up‑your‑sleeves dynamic startup environment.
Excellent communication and stakeholder‑management abilities.
Bachelor’s or Master’s degree in Finance, Economics, Statistics, or a related field. Advanced degrees or certifications in risk management are a plus.
What You’ll Love
Competitive salary and equity grants
Top tier medical, dental, vision insurance
Life insurance and disability benefits
Personal development, technology, and ergonomic budgets
401(k) matching
Unlimited PTO, work‑from‑home flexibility, and parental leave
Transparent company culture with proactive communication via weekly All‑Hands, Lunch & Learns, and monthly Founder AMAs
Senior team of experienced professionals highly motivated to solve tough problems and ship remarkable products
Join our growing team as we build out the next generation of lending infrastructure for small businesses.
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Position Overview As Head of Credit, you will shape Prime’s credit strategy and risk‑management framework, develop and oversee credit policies, manage the entire credit lifecycle from origination to collections, and lead cross‑functional teams in building data‑driven credit products for SMBs.
Location This role is available in the Bay Area or NYC.
Time Zone Requirements The team operates in both East and West Coast time zones.
Travel Requirements The team has regular onsite collaboration sessions, occurring several consecutive days per month at the Bay Area or NYC office. Prime will cover all travel expenses.
Key Responsibilities
Lead product development with Product, Engineering, and Data Science teams to innovate and implement credit products across multiple industry sectors that meet evolving SMB needs.
Manage relationships with balance‐sheet partners, investors, regulatory bodies, and other stakeholders, communicating credit performance and risk‑management strategies effectively.
Develop and refine credit risk‑management strategy and policies in alignment with business objectives.
Lead the credit risk assessment framework, incorporating advanced data analytics and machine learning models to enhance decision‐making and risk prediction.
Oversee the entire credit lifecycle, ensuring optimal performance and management of the loan portfolio from origination through servicing to collections.
Provide leadership and direction to the credit and risk‑management teams, fostering a culture of continuous improvement and data‑driven decision‑making.
Stay abreast of industry trends, regulatory changes, and technological advancements that impact the credit risk framework and lending products.
Integrate Prime’s core values—Win the Day, Get out of the Building, Embrace the Unknown, and Excellence as a Habit—into all daily responsibilities and professional interactions.
Qualifications
10+ years of experience in credit risk management, with a significant portion in fintech or SMB lending.
Proven track record of developing and managing credit policies and risk assessment models, preferably with exposure to data science and analytics‑driven environments.
Strong leadership skills, capable of inspiring and managing a high‑performing team in a fast‑paced startup environment.
Deep understanding of regulatory compliance and reporting requirements relevant to fintech and lending industries.
Exceptional analytical and problem‑solving skills with a data‑forward thinking approach.
Ability to thrive in a roll‑up‑your‑sleeves dynamic startup environment.
Excellent communication and stakeholder‑management abilities.
Bachelor’s or Master’s degree in Finance, Economics, Statistics, or a related field. Advanced degrees or certifications in risk management are a plus.
What You’ll Love
Competitive salary and equity grants
Top tier medical, dental, vision insurance
Life insurance and disability benefits
Personal development, technology, and ergonomic budgets
401(k) matching
Unlimited PTO, work‑from‑home flexibility, and parental leave
Transparent company culture with proactive communication via weekly All‑Hands, Lunch & Learns, and monthly Founder AMAs
Senior team of experienced professionals highly motivated to solve tough problems and ship remarkable products
Join our growing team as we build out the next generation of lending infrastructure for small businesses.
#J-18808-Ljbffr