Vice President or Senior Director, Credit Risk

KOHO is seeking an exceptional leader in Credit Risk who combines strategic vision with hands-on execution to lead and scale our credit risk management function.

Requirements

• 15+ years of experience in credit risk, including 7+ years in a leadership role.
• Extensive expertise in consumer credit risk across the lifecycle—preferably in fintech, challenger banks, or alternative lending environments.
• Proven track record building credit risk functions through high growth phases
• Experience managing managers and directors across modeling, strategy, and risk analytics.
• Expert knowledge of credit data, scoring systems, and risk governance frameworks.
• Proven track record influencing senior stakeholders and working cross-functionally.
• The ability to communicate complex credit risk concepts to diverse audiences.
• Hands-on experience with risk infrastructure, decision engines, and reporting tools.
• Excellent written and verbal communication skills with the ability to present to the Board and executive leadership.
• Passion for developing inclusive teams and mentoring talent.

Benefits

• Competitive compensation & equity
• Generous vacation + Wellness days + Flex Days + holiday closure
• Remote-first environment + coworking support + yearly all hands retreat
• Access to coaching & growth programs
• Parental top-up & leave policies
• Comprehensive health benefits
• Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development