Welcome to the Friday jobs-focused edition of The Free Toaster.

Check out this week’s news edition if you missed it. We covered Chime taking Kikoff to court over Instagram marketing, Visa’s strategy to unbundle and build “Visa-as-a-service” and much more.

This week, we’re excited to share a new exclusive role (Head of Credit) at a hot Silicon Valley startup we know well. We’ve done work with them and love what they are building.

You’ll also find the two exclusive roles from last week (Sr Director, Growth Marketing) and (Data Scientist – Credit & Fraud Risk).

Also: we now have a new Job board to make it easier to find all the exclusive jobs you can’t miss!

(CTB1 Exclusive)

Head of Credit remote (CA preferred)

We are looking for an experienced, innovative, and analytically driven leader to oversee Credit.

This role is responsible for optimizing predictive modeling, leveraging advanced data science techniques, and minimizing credit losses across our products.

The ideal candidate has a proven track record in credit management, risk analysis, strategic decision-making, and machine learning-driven credit solutions.

Who We’re Looking For:

• Expert in credit modeling with deep knowledge of statistical and machine learning techniques such as logistic regression, decision trees, gradient boosting, and deep learning for risk assessment.

• Proficient in data science and ML workflows, including feature engineering, model training, validation, deployment, and monitoring in production environments.

• Hands-on experience with ML-driven credit risk models, including explainable AI (XAI) methods, alternative data sources, and dynamic risk scoring models.

• Strong problem-solving skills, capable of operating across the entire credit stack—from loan-level decisions to deploying ML-based risk models and collaborating with regulators and capital partners.

• Experienced in big data technologies, working with large-scale structured and unstructured datasets for credit risk analysis.

• Proven ability to deliver models that drive significant improvements in AUC/ROC/KS and other predictive performance metrics.

• Collaborates closely with engineers, data scientists, and DevOps teams to develop scalable, automated risk management solutions.

Requirements:

• 8+ years in consumer credit modeling, risk management, and data science within a major bank, fast-growing neobank, or fintech.

• Proven ability to shape credit trends and drive data-driven decisions that impact portfolio performance.

• Strong programming skills in SQL, Python (pandas, NumPy, scikit-learn, TensorFlow/PyTorch), and experience with cloud-based ML platforms (AWS, GCP, or Azure).

• Deep expertise in statistics, experimental design, causal inference, and machine learning techniques for credit risk analysis.

• Experience with AI-driven underwriting models, fraud detection, and credit scoring algorithms using alternative data sources such as transaction, e-commerce, and behavioral data.

• Master’s or Ph.D. in Computer Science, Mathematics, Statistics, Machine Learning, or EE/ECE from a top-tier institution.

[First profiled on February 21, 2025]
[Visit the Toaster Job Board for more information on this role]

Sr Director, Growth Marketing

We seek a dynamic leader to drive customer and merchant acquisition, engagement, and retention. You will build a high-performing team, leverage AI-driven analytics, and develop targeted offers to maximize user loyalty. This role offers the opportunity to drive exponential growth in a fast-paced, data-driven environment. 🚀

[First profiled on February 21, 2025]
[Visit the Toaster Job Board for more information on this role]

Data Scientist – Credit & Fraud Risk

Salary: ~$175k, but “open for the right rockstar 🎸”

Opportunity to be an early-stage team member to drive data science innovation in credit and fraud risk management. You’ll build and deploy risk models, leverage AI/LLM tools, integrate new data sources, and collaborate with engineering for implementation.

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