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Job Description

A major Finance Technology client of Insight Global is looking to add a Director of Credit and Risk to their Small Business Score-Based Adjudication team. This individual will lead the strategic and operational oversight of credit decisioning for small business applications under $100K, with a strong emphasis on score-based adjudication. This role is responsible for building and refining automated decisioning models and risk management systems, ensuring the performance and accuracy of existing scorecards and RMS (Risk Management System) platforms. Strong familiarity and experience with score-based adjudication and decision modeling are crucial to drive innovation and performance for this team. This Director will also need to have strong leadership experience as they will be responsible for overseeing a team of 2 managers and 12 total individuals. This cross functional leadership role will collaborate closely with the Decision Science team to interpret model outputs, recommend improvements, and monitor credit production daily. A key part of the role involves partnering with Account Management and senior leadership to align credit strategies with broader business goals, while also engaging with clients and buyers.

Additional Information and responsibilities from JD:

Score-Based Credit Risk Strategy & Execution

Oversee the daily operations of a team of a team of Credit Analysts who are responsible for final adjudication of applications that fail to auto-decision.

Ensure credit decisions are consistent, data-driven, and aligned with the company’s risk appetite and compliance standards.

Team Leadership & Operational Excellence

Manage and mentor a team of credit analysts, fostering a high-performance culture focused on accuracy, efficiency, and innovation.

Responsible for building and inspiring a strong team culture and employee engagement.

Establish and monitor KPIs related to decision turnaround time, process controls and overall team performance.

Drive automation and workflow optimization to support scalable growth in small business credit originations.

Cross-Functional Collaboration

Partner with the Decision Science team to refine credit scoring models and integrate them into decisioning platforms.

Collaborate with Account Management, Compliance, Collection and Customer Success teams to ensure credit policies support business objectives while maintaining prudent risk controls.

Serve as a key stakeholder in the development of fraud detection and identity verification protocols within the adjudication process.

Governance & Policy Development

Work with the Credit Policy Group to develop and maintain policies and procedures specific to score-based adjudication for small businesses.

Ensure compliance with regulatory requirements and internal audit standards.

Provide regular reporting and insights to executive leadership on portfolio performance, risk trends, and strategic opportunities.

Score-based adjudication:

Credit decisioning process that relies on quantitative models—typically credit scores and decision algorithms—to evaluate and approve credit applications. Score-based adjudication uses automated scoring models to assess the creditworthiness of applicants. These models analyze various data points (like payment history, business financials, industry risk, etc.) and assign a score that reflects the likelihood of repayment or default. Based on that score, the system can automatically approve, decline, or refer the application for manual review.

Key Components:

Credit Scorecards: These are statistical models that predict risk based on historical data. They’re tailored to small business profiles and often include variables like revenue, time in business, and payment behavior.

Decision Models: These models interpret the score and apply business rules to make a credit decision. For example, a score above 700 might trigger automatic approval for loans under $100K.

Risk Management Systems (RMS): These platforms manage the flow of applications, apply the models, monitor performance, and ensure compliance.

Performance Monitoring: Ongoing tracking of how well the models are performing—are they predicting risk accurately? Are they aligned with business outcomes?

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to [email protected] learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: https://insightglobal.com/workforce-privacy-policy/.

Skills and Requirements

BS in Accounting or Finance

10+ years of experience in small business credit

5+ years of experience in leadership role

Strong understanding of credit scoring models, risk assessment and score-based adjudication Fluent in other languages

Masters degree in Finance/Accounting null

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal employment opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment without regard to race, color, ethnicity, religion,sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military oruniformed service member status, or any other status or characteristic protected by applicable laws, regulations, andordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or the recruiting process, please send a request to [email protected].