Director of Credit Risk

Our mission is to increase the success rate of small businesses. Traditional banking has been a growth limiter rather than a growth enabler for business owners, and we’re changing that. Relay is the all-in-one, collaborative money management platform. We’re building for employer SMBs and their finance function, internal and external, and are focused on delivering a human-centric customer experience. Ultimately, we help SMBs be ‘on the money'.

Relay is entering an exciting new chapter of growth! We’re looking for an experienced and data-driven leader within our Risk Team as our Director of Credit Risk. In this role you’ll impact our business by developing credit strategies supporting our credit card, and overall credit program. You’ll need strong conviction, and will need to be comfortable with data-driven decisions and strategy to support both internal and external teams. 

This is a unique opportunity to get in on the ground floor and build Relay’s first credit program from the ground up alongside our founders. In this role you’ll have a massive impact on empowering the financial success of SMBs using our platform.

• Building out the entire credit risk program and team from 0 to 1
• Develop acquisition and customer management credit strategies for lending products at Relay including approval, line, application information requirements and other parameters
• Influence marketing decisions by providing information on profitability of channels and segments, and the impact of proposed marketing strategies on overall profitability
• Collaborate with partner teams across the company and work with leadership to challenge status quo, and high quality changes implement to improve and grow the business
• Working closely with our executive and leadership teams, you’ll be communicating and aligning on performance and strategy

• 5 years experience in credit card risk strategy
• 3 years in a leadership capacity
• Educational background in a quantitative field, economics, business, engineering or equivalent
• Experience managing risk & reward optimization for lending programs
• You’ve built a new product or program from 0 to 1
• Strong communication skills 
• Highly collaborative 
• Ability to influence and build buy-in amongst senior & executive leadership
• Significant experience in cross-functional partnerships (sales, marketing, product, IT etc)
• Extensive experience using test and learn frameworks

• You have experience with lending or credit cards tailored to SMBs
• You’ve joined a company at its early stages and have seen it through scale
• You have experience working in a fintech startup

• Competitive salary and meaningful equity: every team member gets a piece of the pie.
• Comprehensive health benefits: we offer full health benefits an HSA/WSA starting from day 1 so you get the coverage you need.
• Considerable vacation/end-of-year holiday shutdown: we take time off to reset and recharge so we come back better for our customers.
• Hybrid work environment: we love collaborating and connecting in the office two times a week and offer catered lunches and a snack/beverage program for the days we’re in office. Don’t forget to bring in your furry friends!
• Personal and professional growth: support from leaders who care about your growth and success through regular feedback and coaching. Our goal is to make Relay a step-change career opportunity.
• Top-tier equipment: we’ll make sure you have everything you need to produce your best work.
• Team-first culture: we’re passionate about working collaboratively, bonding through team events, and most importantly having fun.

• Stage 1: A 45 minute Google Meets video call with a member of the People team
• Stage 2: A 45 minute interview with our VP of Risk
• Stage 3: A 45 minute interview with a panel of direct & cross-functional team members
• Stage 4: A 1 hour case study presentation to our risk leadership teams
• Stage 5: A 45 minute Google Meet video call with one of our executives

What’s Important to Us:

At Relay, we believe that diversity is key to building high-performing teams, and creating an inclusive work environment is our priority. We are an equal-opportunity employer and we welcome people of diverse backgrounds, perspectives, and skills.

We will work with applicants to provide accommodations at any stage of the hiring process. If you require accommodations during the interview process, please email your People Team contact, and we will work with you to meet your needs.

Salary : $225,000 - $250,000