Senior Director, Credit & Pricing Strategy - Auto (Wilmington)

Senior Director, Credit & Pricing Strategy - Auto

Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.

We offer a flexible work experience, top-tier benefits, and growth opportunities in a culture built on our core values :

Put People First We foster an inclusive, flexible, and fun workplace.

Create Clarity Open communication drives trust and results.

Get Things Done We focus, prioritize, and deliver with excellence.

Deliver with Heart We lead with kindness, humility, and strong teamwork.

Listen to Our Customers Their needs drive our innovation.

We are looking for collaborative, innovative team players who like to solve problems. If you're inspired by inspiring others and want to make a real difference, Best Egg is the place for you.

We're proud to be an equal opportunity employer committed to building a diverse, inclusive team.

We are seeking a Senior Director of Credit & Pricing Strategy Auto with deep expertise in near-prime and sub-prime auto lending to join our fast-growing fintech organization. This individual will lead the strategy and execution of credit risk and pricing for our auto-secured lending products, owning all aspects of product eligibility, pricing, underwriting, and risk-return optimization.

This highly visible role will work cross-functionally with senior stakeholders and drive product innovation, conversion improvement, customer experience enhancements, and investor returns. The role is both strategic and hands-on requiring an executive mindset with the ability to roll up sleeves and dive into data.

Responsibilities

• Lead development and optimization of credit and pricing strategies for auto-secured personal loans, including :
• Credit policy and underwriting criteria
• Pricing structure, APR optimization, and elasticity modeling
• Fee structure, loan amount sizing, verification, and fraud mitigation
• Design and execute test / control strategies (e.g., champion / challenger) to validate underwriting and pricing performance
• Analyze portfolio trends, vintage performance, and external benchmarks to inform strategic shifts
• Partner with Decision Science to develop, enhance, and implement risk and pricing models
• Maintain investor return targets in dynamic economic conditions
• Present business cases, performance updates, and strategy recommendations to the C-suite and capital partners
• Collaborate with Product, Marketing, Operations, Finance, and Capital Markets to drive enterprise-wide initiatives
• Lead a high-performing team with a focus on coaching, mentorship, and development

Qualifications :

$230,000 - $245,000 a year

In addition to semi-monthly salary payments, this position is also eligible for an annual incentive bonus based on individual and company performance. Yearly incentive bonus target 30% of base salary. This position may also be eligible for a long-term cash and / or equity incentives.

Best Egg offers many additional benefits for our employees, including (but not limited to) :