Credit Strategy Director

Base pay range

$/yr - $/yr

Varo Bank is a digital, mission‑driven, FDIC‑insured national bank that strives to bring fintech into the regulated banking system. We design products, insights and support that help people advance financially.

• Lead credit strategy for new products: develop and implement underwriting, pricing and credit policies from ideation to post‑launch monitoring.
• Analyze and optimize: conduct deep‑dive analyses of KPIs to identify trends and improve risk‑adjusted returns and customer experience.
• Drive experimentation: design and execute A/B tests to optimize credit policies, user experience and risk controls.
• Inform and influence: present analysis and strategic recommendations to key stakeholders and executive leadership.
• Collaborate cross‑functionally: partner with Product, Engineering, Data Science, Marketing, Operations and Legal teams to deliver compliant credit offerings.
• Champion best practices: build and maintain monitoring dashboards and performance tracking to ensure proactive risk management.

• 8+ years in consumer credit risk management or credit strategy, preferably at a fintech or major financial institution.
• Strong understanding of the consumer credit lifecycle (origination, underwriting, fraud, collections) with experience using traditional and alternative credit bureau data.
• Ability to translate business problems into a data‑driven approach, including hypothesis testing and root‑cause analysis.
• Advanced expertise in SQL or Python for data analysis and manipulation.
• Experience with advanced statistical techniques and relational databases.
• Strong problem‑solving skills and ability to work independently in a fast‑paced environment.
• Bachelor’s or master’s degree in a quantitative field (Computer Science, Economics, Math, Statistics, Engineering).
• Machine‑learning experience in a credit risk context is a plus.
• Familiarity with BI tools such as Tableau or Looker is a plus. Experience at a high‑growth fintech or tech startup is a plus.

In addition to the base salary, the role is eligible for bonus, equity and competitive benefits. Salary is determined based on experience and expertise, with a standard range of $140,000 – $200,000 for US‑based roles.

Varo launched in 2017 with the vision to bring fintech into the regulated banking system. As the first consumer fintech to receive a national bank charter in 2020, we empower all consumers with products, insights and support that help them get ahead. We prioritize financial inclusion and opportunity for underserved communities.

Varo is an equal‑opportunity employer. We embrace diversity and are committed to building teams that represent a variety of backgrounds, perspectives and skills. All applicants will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. If you suspect a phony offer, please e‑mail  with the pertinent information.

We may use AI tools to support parts of the hiring process, such as reviewing applications and analyzing resumes. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans.