Head of Credit

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 Head of Credit to expand and improve our underwriting capabilities and manage Brigit’s growing credit portfolio as we scale beyond cash advances into products such as a Line of Credit. 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, 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.

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.

Team Leadership & Execution

- Build, lead, and mentor a high-performing credit team across credit strategy and analytics.

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

- Establish operating rhythms, dashboards, and decisio