Head of Credit

4 weeks ago


San Francisco, United States CareerBuilder Full time

PayZen is on a mission to bring financial health to healthcare. Our products improve both access and affordability for patients and cash flow & administrative complexity for medical providers. We are trusted by a rapidly growing number of health systems, hospitals, and physician groups and are backed by leading venture capital investors.
About this Role
We are planning to strengthen our Risk team and are looking for a Head of Credit position that will make a difference in the lives of patients and financially strengthen the Healthcare Providers we serve. This role will have a great opportunity to apply a strong credit foundation/expertise to a novel and important context i.e. patient affordability, opportunity to work with a unique data asset, and being at the forefront of creating a new capital markets asset class.
This role will be responsible for managing credit losses and forecast potential losses and IRR for healthcare payment plans. Also drive profitability through sophisticated credit and pricing strategies. This role will manage engagements through all the lifecycle stages from enrollment to delinquency. The role is going to be responsible for providing analytics on business performance and recommendations to the Credit Committee, Board, and Investor community.
What you will do

Credit and Pricing Strategy
Develop reliable credit and pricing strategies for managing credit risks to enable real-time underwriting

decisions for hundreds of thousands of borrowers every month.
Build sophisticated credit strategies by leveraging multiple sources of data such as credit bureau information, application information, and alternative data sources at a large scale.
Monitor credit performance trends and identify underperforming segments.
Conduct root-cause analysis to recommend risk mitigation strategies.
Implement credit and collection strategies by collaborating with internal partners such as engineering and operations teams.
Conduct retrospective analysis and implement testing to compare performance on multiple strategies to drive growth objectives.
Loss forecasting and IRR projections -
Enhance loss forecasting methods, IRR projections, track its performance and manage expectations.
Senior Management and External Partner Updates

-
Conduct ongoing updates for Payzen management, Investors, and other business partners.
Develop and automate a sophisticated dashboard to provide business intelligence on credit performance and uncover trends.
Consistently provide performance trend insights to the management team to enable data-driven and swift business decisions.
Build and Manage Teams of Credit Analysts

-
Manage highly skilled and talented individuals.
What you will bring

Bachelors degree in a quantitative or related field (e.g., Mathematics, Data Science, Statistics, Economics, Finance, etc.) from an accredited college or university, preferred. MBA is a plus.
8+ years of credit risk management experience, financial services or FinTech industry experience preferred.
8+ years of experience leveraging large, complex datasets for driving business decisions.
5+ years of experience of developing and managing team of Credit Analysts
Knowledge and experience in consumer credit loss forecasting is a must
Experience with communicating asset loss and return expectation with capital market audiences is a plus.
Ability to work in a fast-paced, dynamic environment.
Comprehensive knowledge of consumer credit risk trends.
Be both strategic and when needed hands-on in SQL, Python etc.
What we Offer

An opportunity to positively affect the lives of thousands of patients
A flexible lifestyle that fits the modern work-life balance
A chance to join a high-growth company at an early stage
Highly skilled co-workers with whom you can grow your skill set
Be a part of a team that revolutionizes medical payments in ways never seen before
The ability to impact company values and culture in a collaborative environment - we value all comments and suggestions
Competitive pay, employer-paid healthcare, stock options

#J-18808-Ljbffr


  • Head of Credit

    4 weeks ago


    San Francisco, United States Payzen Inc. Full time

    PayZen is on a mission to bring financial health to healthcare. Our products improve both access and affordability for patients and cash flow & administrative complexity for medical providers. We are trusted by a rapidly growing number of health systems, hospitals, and physician groups and are backed by leading venture capital investors. About this Role We...


  • San Francisco, California, United States Cardless Full time

    At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched 9 credit cards, including for the largest mall operator in the U.S. and the largest airline in South America. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card...


  • San Francisco, United States Federal Home Loan Bank of San Francisco Full time

    Job Description: The Federal Home Loan Bank of San Francisco (the "Bank") is a cooperative, wholesale bank that provides liquidity to its members and helps meet community credit needs by providing credit products and services to member financial institutions through all phases of the economic cycle. The Bank's members include large and regional commercial...


  • San Francisco, CA, United States Mercury Full time

    In 1923, Claude Hopkins published Scientific Advertising which many say has the first descriptions of A/B testing and using coupons for attribution. If that weren’t enough of a claim to fame, Hopkins is also credited with popularizing tooth brushing, after a very successful campaign with Pepsodent. Fast forward 101 years, and Mercury is looking for a Head...


  • San Francisco, United States Statkraft Full time

    Job DescriptionJob DescriptionCompany DescriptionLocation: San Francisco, CA, Stamford, CT, New York, NYStatkraft has been making clean energy possible for over a century. That’s what we offer. 125 years of unrivalled expertise in supplying the world with what it needs most. We envision a world that runs entirely on renewable energy. Because in the...


  • San Diego, United States Bank of America Full time

    Description : Responsible for leading and managing a team of Underwriters and Credit Officers dedicated to underwriting, structuring, advising, and negotiating credit solutions for Middle Market and Business Banking clients. Role will be domiciled in Newport Beach, CA or San Diego, CA.Client base is located throughout the Orange County, San Diego, and...


  • San Francisco, CA, United States Statkraft Full time

    Company DescriptionLocation: San Francisco, CA, Stamford, CT, New York, NYStatkraft has been making clean energy possible for over a century. That’s what we offer. 125 years of unrivalled expertise in supplying the world with what it needs most. We envision a world that runs entirely on renewable energy. Because in the fight against climate change, we...


  • San Diego, United States Bank of America Corporation Full time

    Job Description: At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for...

  • Asst. Basketball

    2 weeks ago


    San Antonio, United States Archdiocese of San Antonio Full time

    Apply Description Incarnate Word High School, an all-girls Catholic high school sponsored by the sisters of Charity of the Incarnate Word, seeks a part-time Assistant basketball/Head Freshman Coach to assist the head varsity coach and serve as the head freshman team coach for the 2024-2025 school year. REPORTS TO: This position reports to the Athletic...


  • San Antonio, United States University of the Incarnate Word Full time

    St. Anthony Catholic High School, a private, college preparatory High school for young men and women, is seeking a Head Softball Coach. This is a seasonal part-time position. Position is expected to coach sport within the mission of St. Anthony Catho High School, Coach, Athletic Director, Softball, School, Head Coach


  • San Diego, United States California Department of Education Full time

    Job Summary Job Summary Under the direction of the Site Principal and Athletic Director, this position has the responsibility for the overall administration of all aspects of a comprehensive high school Cheer program. The primary focus will be that of mentorship, recruitment, administration and coordination of a high school Cheer program where the total...

  • Compliance Officer

    2 weeks ago


    San Francisco, United States Cardless, Inc Full time

    At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 9 credit cards, including for the largest mall operator in the U.S. and the largest airline in South America . We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card...


  • San Diego, United States California Department of Education Full time

    Job Summary Job Summary Under the direction of the Site Principal and Athletic Director, this position has the responsibility for the overall administration of all aspects of a comprehensive high school flag football program. The primary focus will be mentorship, recruitment, administration, and coordination of a high school flag football program where the...


  • San Francisco, United States ACG Resources Full time

    Job DescriptionJob DescriptionVP CRE Relationship Manager bilingual Chinese (California) 2 opportunities available, one located in San Francisco and one located in Los Angeles located onsite with a foreign bank Base salary $100K-150K, depending on experience & skillsFunctions:  1. Have a good knowledge of CRE market. 2. Good CRE customer resource in...


  • San Antonio, United States University of Texas at San Antonio Full time

    The University of Texas at San Antonio Libraries seeks a user-focused, collaborative Head of Access Services to provide innovative leadership and management for the Access Services Department at the UTSA Libraries John Peace Library, Downtown Library, and Applied Engineering and Technology Library locations. The department supports the teaching and research...

  • Head Coach

    6 days ago


    San Antonio, United States Archdiocese of San Antonio Full time

    Apply Job Type Part-time Description FLSA Status: Seasonal/Exempt (unless specified otherwise) Summary: The Coach fulfills the mission of the Catholic school by developing, initiating, and administering the program in a particular sport which adequately prepares the student athlete for interscholastic competition. The Coach is recommended to the...


  • San Francisco, United States BANK OF MARIN Full time

    Job DescriptionJob DescriptionBank of Marin, voted by our employees as one of the “Best Places to Work” in the North Bay Business Journal, is seeking a Relationship Manager to join our Commercial Banking Office in San Francisco.The Relationship Manager is responsible for the maintenance, cultivation and retention of an established client portfolio. The...

  • Relationship Manager

    4 weeks ago


    San Francisco, United States BANK OF MARIN Full time

    Job DescriptionJob DescriptionBank of Marin, voted by our employees as one of the “Best Places to Work” in the North Bay Business Journal, is seeking a Relationship Manager to join our Commercial Banking Office in San Francisco.The Relationship Manager is responsible for the maintenance, cultivation and retention of an established client portfolio. The...


  • San Mateo, United States The Police Credit Union of California Full time

    Job DescriptionJob DescriptionThe Police Credit Union is seeking self-starters who share our commitment to provide excellent service and education at every opportunity. We offer generous benefits, competitive compensation and career development opportunities throughout our organization.Benefits include:Employee Benefits + Perks Include: • HMO, PPO Medical...

  • Data Manager

    1 week ago


    San Francisco, United States Bank of America Full time

    Description : This job is responsible for driving accurate, complete, and timely delivery of data. Key responsibilities include working with business stakeholders and technology teams to direct commercial banking data management activities and ensure availability for use by appropriate consumers. Job expectations include managing execution...