Lead credit risk and pricing strategy for auto-secured loans. Collaborate cross-functionally to drive innovation and optimize performance, managing a team and presenting to C-suite.
Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.
We offer a flexible work experience, top-tier benefits, and growth opportunities in a culture built on our core values:
Put People First – We foster an inclusive, flexible, and fun workplace.
Create Clarity – Open communication drives trust and results.
Get Things Done – We focus, prioritize, and deliver with excellence.
Deliver with Heart – We lead with kindness, humility, and strong teamwork.
Listen to Our Customers – Their needs drive our innovation.
We are looking for collaborative, innovative team players who like to solve problems. If you're inspired by inspiring others and want to make a real difference, Best Egg is the place for you.
We’re proud to be an equal opportunity employer committed to building a diverse, inclusive team.
We are seeking a Senior Director of Credit & Pricing Strategy – Auto with deep expertise in near-prime and sub-prime auto lending to join our fast-growing fintech organization. This individual will lead the strategy and execution of credit risk and pricing for our auto-secured lending products, owning all aspects of product eligibility, pricing, underwriting, and risk-return optimization.
This highly visible role will work cross-functionally with senior stakeholders and drive product innovation, conversion improvement, customer experience enhancements, and investor returns. The role is both strategic and hands-on — requiring an executive mindset with the ability to roll up sleeves and dive into data.
Responsibilities
- Lead development and optimization of credit and pricing strategies for auto-secured personal loans, including:
- · Credit policy and underwriting criteria
- · Pricing structure, APR optimization, and elasticity modeling
- · Fee structure, loan amount sizing, verification, and fraud mitigation
- Design and execute test/control strategies (e.g., champion/challenger) to validate underwriting and pricing performance
- Analyze portfolio trends, vintage performance, and external benchmarks to inform strategic shifts
- Partner with Decision Science to develop, enhance, and implement risk and pricing models
- Maintain investor return targets in dynamic economic conditions
- Present business cases, performance updates, and strategy recommendations to the C-suite and capital partners
- Collaborate with Product, Marketing, Operations, Finance, and Capital Markets to drive enterprise-wide initiatives
- Lead a high-performing team with a focus on coaching, mentorship, and development
Qualifications:
- Experience & Technical Skills
- 10+ years of experience in financial services with a focus on credit risk, pricing, and product strategy
- Must have direct to consumer experience in near-prime/sub-prime auto lending (e.g., secured personal loans or traditional auto loans)
- Bachelor’s degree in a quantitative discipline (Statistics, Mathematics, Engineering, Economics, etc.); Master’s degree a plus
- Expertise in analytical tools and data analysis (Excel required; Python strongly preferred; SQL, SAS or R)
- Deep understanding of credit bureau data, alternative data, pricing elasticity, and risk modeling
- Leadership & Communication
- Demonstrated ability to influence senior leaders and drive cross-functional initiatives
- Comfortable working in ambiguous, high-growth environments
- Experience managing or mentoring a team of analysts or strategists
- Executive presence with excellent verbal and written communication skills
- Cultural Fit
- Strong bias for action and data-driven decision making
- Willingness to challenge the status quo and explore creative approaches
- Belief in collective ownership, transparency, and continuous learning
- Thrives in fast-paced, performance-oriented environments
Employee Benefits
Best Egg offers many additional benefits for our employees, including (but not limited to):
· Pre-tax and post-tax retirement savings plans with a competitive company matching
program
· Generous paid time-off plans including vacation, personal/sick time, paid short--
term and long-term disability leaves, paid parental leave, and paid company
holidays
· Multiple health care plans to choose from, including dental and vision options
· Flexible Spending Plans for Health Care, Dependent Care, and Health
Reimbursement Accounts
· Company-paid benefits such as life insurance, wellness platforms, employee
assistance programs, and Health Advocate programs
· Other great discounted benefits include identity theft protection, pet insurance,
fitness center reimbursements, and many more!
#LI-REMOTE
In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here
Top Skills
Excel
Python
R
SAS
SQL
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