Note: The job is a remote job and is open to candidates in USA. H&R Block is seeking a Director of Financial Services – Credit to guide the development of digital credit experiences and products. The role leads product managers and cross-functional teams, develops consumer credit strategy and partnerships, and oversees product performance and credit risk.

Responsibilities

• Develop, communicate, and implement the company’s strategy related to consumer credit
• Guide Product Managers and cross-functional teams in identifying customer problems, designing and developing solutions, and delivering impactful product experiences
• Collaborate with other product teams to develop the overall financial services product portfolio
• Stay updated on industry trends and potential partners to offer innovative, low-risk products
• Partner with Risk, Operations, Compliance, Finance, Marketing, and Data Science teams to develop and improve consumer lending products
• Analyze product and portfolio performance by consumer segment to identify improvement areas
• Make credit and pricing recommendations to optimize acceptance rates, minimize losses, and increase profitability
• Work with Risk teams to develop and review underwriting models using traditional and alternative data sources
• Manage credit risk performance across lending products, both internally and with third-party partners
• Communicate business and product performance, credit issues, and recommendations to executive teams and bank partners

Skills

• Degree in business, statistics, mathematics, economics or related field
• 8+ years of experience across business strategy, program or product management disciplines – with direct experience in credit and credit-related products
• Experience in working in highly regulated environments and demonstrated experience in defining creative solutions in concert with risk and compliance stakeholders
• Experience in guiding product and agile processes across teams and adjacent stakeholders
• Experience in team leadership and staff development - leading, managing, and coaching your team to create superior experiences for our customers
• Strong analytical skills, including experience working with a variety of data sources and advanced modeling techniques
• Demonstrated experience modeling financial impacts and managing loss rates
• Strong communication skills, able to effectively communicate with team members, across functions, with senior leadership and with our bank partner
• Master's degree
• Startup leadership exposure, including building/managing product, design, strategy, and engineering teams
• Experience with alternative lending products and models
• Experience dealing with sponsor bank relationships and regulatory agencies
• Experience with multiple credit reporting agencies, decisioning systems, machine learning and alternative data suppliers

Benefits

• This position is remote-friendly.

Company Overview

Company H1B Sponsorship