Elite Recruiter ยท 6 days ago
Credit Specialist & Fraud Manager
United States
Full-time
Remote
Senior Level, Lead/Staff
$75K/yr - $85K/yr
8+ years expElite Recruiter is partnering with a top U.S.-based lending company to support the growth of a fast-scaling fintech platform. They are seeking a Credit Specialist & Fraud Manager to oversee credit and fraud operations, evaluate credit risk, prevent fraud, and lead team performance.
Staffing & Recruiting
Hiring Manager
Natalie Brugger
Responsibilities
Lead, coach, and develop the Credit Specialist and Fraud Investigation teams
Set performance expectations, conduct regular 1:1s, and support professional development
Manage staffing levels, scheduling, and workload distribution to meet daily SLAs
Train teams on new policies, fraud patterns, underwriting processes, and system enhancements
Serve as the escalation point for complex underwriting decisions and fraud cases
Oversee manual underwriting for escalated, complex, or exception-based loan applications
Review credit decisions to ensure accuracy and policy adherence
Guide evaluations of credit bureau data, income verification, DTI analysis, cash flow, and digital asset collateral valuations
Recommend improvements to underwriting guidelines, automation logic, and exception-handling workflows
Manage fraud operations across personal loans and crypto-backed lending products
Lead investigations into identity theft, synthetic fraud, application fraud, and account takeovers
Oversee fraud tools, KYC/AML platforms, device intelligence, and transaction monitoring systems
Partner with vendors and internal teams to enhance fraud rules and reduce losses
Identify gaps in credit and fraud controls and propose actionable improvements
Collaborate with Risk and Compliance teams on policies, procedures, and audit documentation
Monitor portfolio performance, fraud trends, overrides, and exception activity; prepare reports for leadership
Support testing and rollout of new risk models, fraud rules, and operational systems
Partner with Product and Engineering to enhance underwriting tools and fraud detection platforms
Work closely with Compliance to ensure adherence to regulatory requirements (KYC, AML, ECOA, TILA, UDAAP, etc.)
Collaborate with Operations and Customer Support on escalations, verifications, and dispute resolution
Qualification
Required
8+ years of managerial or team-lead experience in credit underwriting, fraud, or risk operations
Proven experience managing high-volume, high-risk decisioning teams
Strong knowledge of consumer lending, credit risk evaluation, and fraud typologies
Hands-on experience with KYC/AML platforms (e.g., LexisNexis, TLO, IDScan)
Strong analytical and decision-making skills
Excellent communication and documentation abilities
Ability to thrive in a fast-paced fintech environment
Preferred
Experience with both unsecured personal loan underwriting and crypto-collateralized lending (nice to have)
Background in building or refining risk policies, fraud playbooks, or underwriting guidelines
Experience optimizing workflows or implementing automation in credit or fraud operations
Intermediate to advanced Excel and SQL skills for data insights (preferred, not required)
Familiarity with crypto exchanges, blockchain validation tools, or digital asset collateral is a plus (not required)
Benefits
Medical, dental, and vision insurance
Life insurance
401(k) with company match
Paid parental leave
8 paid company holidays
Company
Elite Recruiter
We believe in the power of connections, the art of discernment, and the relentless pursuit of excellence.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase