Why Divvy?

At Divvy Homes, we're building an on-ramp to homeownership – one that's more flexible, more affordable, and an all-around better fit for today’s American family – and it’s working.

Summary

As our Head of Risk and Risk Operations, you will build, lead and manage all aspects of Risk here at Divvy Homes. You have a great analytical mind with strong business acumen and experience in risk-based products. Reporting to our COO, the Head of Risk & Risk Operations will measure risk, define our risk appetite framework and manage the operational implementation of risk policy, e.g. applicant underwriting, internal risk models, and selection and integration of third-party risk products. You see the big picture of the nuances and details behind the numbers and help executives set the long-term strategy. As our thought leader in Risk, you understand risk deeply, are willing to get into the details and understand the operational and financial drivers involved. You have a solid understanding in SQL and like playing with huge data sets, distilling insights and ways of thinking about the future.

What you'll do:

• Develop, maintain, and update comprehensive risk management capabilities – building foundational risk tools, services, and enterprise risk culture
• Drive product innovation by improving product approval rates within risk tolerances
• Primary risk liaison for capital markets, investors, and Board of Directors
• Establish strong credit risk management platform reliant on data science and readiness planning
• Focus on risk infrastructure to drive decision effectiveness – implementing next generation decision platform integrating risk data ecosystem, decision engine toolset, and rapid test-and-learn strategy framework protect and enable the business
• Manage customer acquisition & portfolio management credit policiesImproving and maintaining company credit policy to determine how to underwrite applicants
• Identifying areas of need related to fraud risk and implementing third party data solutions to help us combat application fraud

What you'll need:

• 7-10 years directly related experience of Risk and Risk operations
• 2+ years of managing teams
• Risk operations management, with demonstrated leadership progression and experience
• Experience supporting risk and/or compliance related activities in a financial services operating environment
• Bachelor’s degree in business, economics, statistics, finance or related field or equivalent experience
• Ability to work cross-functionally with sales, customer support, compliance, partnerships team and other Divvy teams
• Ability to create a vision and translate it into detailed and prioritized plans 
• Strong communication skills across a variety of audiences and ability to lead cross-functional teams
• Excellent interpersonal, verbal, written communication, and presentation skills

We are a remote company, so this and all roles are remote friendly. We have offices in SF and Denver to use as you would like, if you are in those areas.

Commitment to Diversity & Inclusion

Divvy Homes is committed to building a diverse and inclusive team. We enthusiastically encourage individuals from a variety of lived experiences to reach out.