VP of Credit

About this role

Hi, we're Brigit! A holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team!

Brigit is doing innovative and exciting work, but don’t just take our word for it, our work is being recognized by others:

- Built In's 2026 Best Midsize Companies to Work For in New York City https://builtin.com/awards/new-york-city/2026/best-midsize-places-to-work#brigit

- Built In's 2025 Best Places to Work For In New York City https://builtin.com/awards/new-york-city/2025/best-places-to-work#brigit

- Built In’s 2024 & 2025 Best Startups to Work For In the U.S. https://builtin.com/awards/us/2025/best-startup-places-to-work#brigit

- Built In’s 2023 - 2025 Best Startups to Work For In New York City https://builtin.com/awards/new-york-city/2025/best-startup-places-to-work#brigit

- Fast Company’s Most Innovative Companies of 2022 https://www.fastcompany.com/90724459/most-innovative-companies-personal-finance-2022

- Business Insider’s Most Promising Consumer Startups 2022 https://www.businessinsider.com/most-promising-consumer-tech-startups-of-2022-8#brigit-a-automated-money-lender-5

- Forbes Fintech 50 2022 https://www.forbes.com/sites/isabelcontreras/2022/06/07/the-future-of-personal-finance-fintech-50-2022/?sh=1fbbd36d5235

Role Overview:

We are looking to hire a VP of Credit to lead the next phase of Brigit’s credit evolution as we expand from cash advances into broader credit products, including Line of Credit and future lending offerings. This leader will own credit strategy, portfolio performance, underwriting and fraud across the business, and help shape company strategy, and long-term product direction. This role requires deep experience in credit underwriting using alternative data (non-FICO, ideally cashflow–based) and strong judgment operating in near-prime to underserved consumer segments.

Brigit’s underwriting platform adapts in near real time to changes in user behavior by leveraging bank transactional data, allowing us to both evaluate new applicants and continuously monitor the performance of our outstanding portfolio. The Head of Credit will own the strategy, performance, and outcomes of this system end-to-end.

This is a senior, management-level role with direct accountability for credit risk outcomes. This individual will be a core thought partner to executive leadership, contributing to company-wide strategy, including product expansion, portfolio scaling, long-term risk management, and capital efficiency. The role collaborates closely with Product, Data Science, Engineering, Finance, Legal, Compliance, Operations, Marketing, and Data, and is critical to Brigit’s ability to scale responsibly and profitably.

What you’ll be doing:

Credit Strategy & Portfolio Ownership

- Own Brigit’s credit strategy end-to-end across products, including cash advance, Line of Credit, and any new credit products.

- Define and evolve underwriting frameworks, portfolio guardrails, and risk appetite, aligned with company growth and profitability goals.

- Lead portfolio management, including monitoring performance, loss curves, vintage analysis, stress testing, and cohort-level optimization.

- Incorporate macroeconomic signals into forward-looking strategy and make principled tradeoffs between growth, profitability, and risk.

- Partner with Finance and executive leadership on capital efficiency, loss forecasting, and long-term portfolio economics.

Product & Underwriting

- Partner with Product to design credit products using cash-flow data and alternative signals.

- Own credit policy design, experimentation, and iteration across the user lifecycle.

- Drive limits, eligibility strategies, and pricing to balance growth, risk, profitability, and customer outcomes.

- Partner with Finance on product valuation and unit economics.

- Work closely with Product and Marketing on the design and launch of new credit products, influencing product roadmap decisions where credit risk or unit economics are material.

Modeling, Data & ML Collaboration

- Work closely with Data Science to build, deploy, and iterate on ML-driven underwriting and fraud models.

- Translate business objectives into model requirements and ensure strong post-deployment monitoring.

- Establish model governance, performance monitoring, and recalibration processes.

- Maintain a roadmap for underwriting and scoring improvements, including new data sources and techniques to improve approval rates while maintaining acceptable delinquency and loss levels

Fraud & Risk Controls

- Own credit-related fraud strategy, balancing prevention with approval rates and customer experience.

Strategic Judgment & Ambiguity

- Success in this role requires strong judgment, comfort operating under uncertainty, and the ability to make principled tradeoffs between growth, profitability, risk, and customer outcomes.

Team Leadership & Execution

- Build and lead a high-performing credit organization across strategy, portfolio management, underwriting, and risk operations. Develop strong operating rhythms, governance frameworks, and scalable decision-making processes.

- Define and manage to clear KPIs (e.g., approval rates, delinquency, contribution margin, etc.).

- Establish operating rhythms, dashboards, and decision-making frameworks.

- Stay hands-on in execution, especially in the early stages of new product launches.

- Present credit performance, risk posture, and forward-looking insights to executive leadership.

What you have:

- 9+ years of experience in retail or consumer lending in a credit, risk management,

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