We are hiring a CCO to build Self into an ML/AI-driven credit decisioning company. This is not a role for someone who wants to manage an existing scorecard. It is a role for someone who believes — and can prove — that modern modeling applied to the credit-building segment can compound into a durable advantage, and who has the technical depth and organizational credibility to make it happen inside a regulated fintech.

Year-One Mandate

In the first twelve months, the CCO will:

• Stand up a modern, ML-driven credit decisioning stack across the Self Credit Card — moving us from heuristic and legacy scorecard logic to models that learn from our proprietary data.
• Partner with the CFO and capital markets team to translate credit performance and model transparency into terms that unlock more efficient receivables funding — lower advance rates, tighter spreads, broader investor base.
• Build the governance, documentation, and model risk management discipline required to run ML credit models in a CFPB-regulated environment, including fair lending testing, adverse action explainability, and ongoing monitoring.
• Lead, develop, and selectively upgrade the existing credit team — roughly 12 people across risk, analytics, and collections — and establish the operating rhythm that connects credit strategy to product, finance, and the board.

Ongoing Responsibilities

Credit Strategy & ML/AI Decisioning

• Own the end-to-end credit risk strategy across all Self products — acquisition underwriting, line assignment, pricing, account management, and collections.
• Drive the design, training, validation, and deployment of ML-based credit models, in partnership with our data science and engineering teams. Set the technical bar for what ‘good’ looks like.
• Use our proprietary data — payment behavior, account trajectory, cross-product signals — as the core asset in a decisioning system that competitors cannot replicate from bureau data alone.
• Develop loss forecasting and portfolio analytics that are trusted by the board, auditors, and capital partners.

Portfolio & Capital Markets

• Manage the performance of a multi-product receivables portfolio spanning credit-building and near-prime segments.
• Work directly with the CFO and structured finance team on warehouse facilities, forward flow arrangements, and securitization — translating credit performance into capital markets terms and vice versa.
• Serve as a credible voice with lenders, rating agencies, and investors on model methodology, portfolio construction, and loss expectations.

Policy, Governance & Fair Lending

• Own credit policy end to end, with documentation and controls that meet the standard expected of a regulated consumer lender.
• Ensure compliance with CFPB expectations, fair lending requirements, ECOA, FCRA, UDAAP, and state-level consumer credit regulations.
• Establish a model risk management framework — including explainability, disparate impact testing, and challenger model discipline — that lets us move fast with ML without compromising on rigor.

Collections & Customer Outcomes

• Direct collections strategy with the dual objective of minimizing losses and producing good outcomes for customers who are, by design, early in their credit journey.
• Manage relationships with third-party servicers, bureaus, data providers, and decisioning vendors.

Leadership & Cross-Functional Partnership

• Lead the existing credit organization. Raise the bar on analytical depth, technical sophistication, and execution speed.
• Partner closely with Product, Engineering, Data Science, Finance, Compliance, and Legal. Credit at Self is not a gatekeeping function — it is a product input.
• Report regularly to the CEO and board on portfolio health, model performance, and strategic initiatives.

• Are you interested in this position?

   

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