Senior Credit Risk Solutions SME

Shape the future of trust in the age of AI
At Oscilar, we're building the most advanced AI Risk Decisioning™ Platform. Banks, fintechs, and digitally native organizations rely on us to manage their fraud, credit, and compliance risk with the power of AI. If you're passionate about solving complex problems and making the internet safer for everyone, this is your place.

We are seeking an experienced Credit Risk Solutions Specialist to be our subject matter expert for credit decisioning. In this hands-on role, you'll design and implement credit workflows, configure decisioning strategies, and serve as a trusted advisor to our customers. You'll work at the intersection of credit expertise and cutting-edge AI technology, helping lenders modernize their underwriting while maintaining responsible lending practices.

• Build end-to-end credit decisioning workflows using Oscilar's platform for various lending products

• Configure credit scorecards, policy rules, and decision strategies for customer implementations

• Design integrations with credit bureaus, bank data providers, and alternative data sources

• Create reusable templates for common credit use cases (personal loans, BNPL, SMB lending)

• Test and validate credit workflows ensuring accuracy and compliance

• Document credit solutions and create implementation guides

• Work hands-on with customers to implement credit decisioning strategies

• Configure AI models for income verification, affordability assessment, and risk scoring

• Troubleshoot credit workflow issues and optimize performance

• Collaborate with engineering on credit-specific feature requirements

• Ensure implementations meet regulatory requirements (FCRA, ECOA)

• Support POCs and pilot programs with prospective customers

• Serve as credit expert during customer onboarding and implementation

• Conduct training sessions on credit best practices and platform capabilities

• Advise customers on optimizing approval rates while managing risk

• Participate in pre-sales discussions as the credit domain expert

• Create knowledge base articles and credit strategy guides

• Gather customer feedback to inform product roadmap

• 5-8 years of hands-on experience in credit risk, underwriting, or lending operations

• Direct experience implementing or managing credit decisioning systems

• Background working with credit bureaus, scorecards, and policy rules

• Experience in fintech, digital lending, or credit technology preferred

• Track record of successful customer implementations or consulting

• Strong understanding of credit decisioning workflows and underwriting logic

• Experience with credit data sources (bureaus, bank data, alternative data)

• Proficiency in data analysis and basic SQL for credit portfolio analysis

• Familiarity with credit regulations and fair lending requirements

• Understanding of credit scoring models and risk segmentation

• Knowledge of API integrations and data mapping

• Deep knowledge of consumer and/or SMB lending products

• Understanding of credit metrics (approval rates, default rates, vintage analysis)

• Familiarity with modern underwriting approaches (cash flow, BNPL, thin-file)

• Knowledge of regulatory requirements across different states/regions

• Experience with multiple lending verticals is a plus

• Experience with credit platforms (Provenir, GDS Link, Zest AI)

• Background in specific verticals (embedded lending, neobanks, BNPL)

• Basic Python/R for credit analysis

• Experience building ML models in credit decisioning

• Relevant certifications or advanced degree in finance/risk

• Compensation: Competitive salary and equity packages, including a 401k plan

• Flexibility: Remote-first culture — work from anywhere

• Health: 100% Employer covered comprehensive health, dental, and vision insurance with a top tier plan for you and your dependents (US and Canada)

• Balance: Unlimited PTO policy

• Technical: AI First company; both Co-Founders are engineers at heart; and over 50% of the company is Engineering and Product

• Culture: Family-Friendly environment; Regular team events and offsites

• Development: Unparalleled learning and professional development opportunities

• Gear: Home office setup assistance

• Impact: Making the internet safer by protecting online transactions