Head of Credit

1 month 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 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
    • Bachelor's 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

  • Head of Compliance

    4 days ago

    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...

  • Head of Compliance

    4 days ago

    San Francisco, 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...

  • Head of Growth

    6 days ago

    San Francisco, United States Fintechnews Full time

    We're looking for a Head of Growth to spearhead our user acquisition strategies and scale our customer base rapidly across multiple product lines. The ideal candidate is creative, has B2C experience, thrives in a fast-paced startup environment, and is passionate about pushing the boundaries of growth marketing through experimentation. As the first in-house...

  • Head of Customer Support

    4 weeks ago

    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...

  • Head of Growth

    20 hours ago

    San Francisco, United States Fintechnews Full time

    We're looking for a Head of Growth to spearhead our user acquisition strategies and scale our customer base rapidly across multiple product lines. The ideal candidate is creative, has B2C experience, thrives in a fast-paced startup environment, and is passionate about pushing the boundaries of growth marketing through experimentation. As the first in-house...

  • Member Credit Analyst, Assoc.

    5 days ago

    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...

  • Member Credit Analyst, Assoc.

    4 weeks ago

    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...

  • Head of Product

    6 days ago

    San Diego, United States Virgo Surgical Video Solutions Full time

    Job DescriptionJob DescriptionOur MissionVirgo is the digital layer for endoscopy. Since launching in 2018, we have amassed the world's largest dataset of endoscopy videos. Now, we are leveraging that proprietary data to build vertical AI solutions for healthcare. Our vision is a world where technology powered by artificial intelligence dramatically...

  • Head of Growth Marketing

    2 weeks ago

    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...

  • Head of Power Marketing

    1 month ago

    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...

  • Commercial Credit Manager I-II

    1 month ago

    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...

  • Head of Power Marketing

    4 weeks ago

    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...

  • Commercial Credit Manager I-II

    2 weeks ago

    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...

  • Member Solution Lead

    4 days ago

    San Francisco, 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...

  • Head of Bank Lending Partnerships

    24 hours ago

    San Francisco, California, United States Block Full time

    Company DescriptionIt all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 47...

  • Asst. Basketball

    3 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...

  • Member Solution Lead

    5 days ago

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

    The 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 & Vision Plans - Dental...

  • Head Softball Coach-St. Anthony Catholic High School

    3 weeks ago

    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

  • Head of Bank Lending Partnerships

    6 days ago

    San Francisco, California, United States Cash App Full time

    Job DescriptionThis role sits within the Cash App Financial Product Operations team (FinOps). This team is responsible for managing the Financial Infrastructure Platform that underpins Cash App. The Financial Infrastructure Platform is what makes it possible for payments to be made and received safely, efficiently and cost effectively. It also makes it...

  • Head Sideline Cheer Coach

    3 weeks ago

    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...