Shape the future of trust in the age of AI
At Oscilar, we're building the most advanced AI Risk Decisioning™ Platform. Banks, fintechs, and digitally native organizations rely on us to manage their fraud, credit, and compliance risk with the power of AI. If you're passionate about solving complex problems and making the internet safer for everyone, this is your place.
We are seeking an experienced Credit Risk Solutions Specialist to be our subject matter expert for credit decisioning. In this hands-on role, you'll design and implement credit workflows, configure decisioning strategies, and serve as a trusted advisor to our customers. You'll work at the intersection of credit expertise and cutting-edge AI technology, helping lenders modernize their underwriting while maintaining responsible lending practices.
Key ResponsibilitiesSolution Design & Configuration (40%)Build end-to-end credit decisioning workflows using Oscilar's platform for various lending products
Configure credit scorecards, policy rules, and decision strategies for customer implementations
Design integrations with credit bureaus, bank data providers, and alternative data sources
Create reusable templates for common credit use cases (personal loans, BNPL, SMB lending)
Test and validate credit workflows ensuring accuracy and compliance
Document credit solutions and create implementation guides
Work hands-on with customers to implement credit decisioning strategies
Configure AI models for income verification, affordability assessment, and risk scoring
Troubleshoot credit workflow issues and optimize performance
Collaborate with engineering on credit-specific feature requirements
Ensure implementations meet regulatory requirements (FCRA, ECOA)
Support POCs and pilot programs with prospective customers
Serve as credit expert during customer onboarding and implementation
Conduct training sessions on credit best practices and platform capabilities
Advise customers on optimizing approval rates while managing risk
Participate in pre-sales discussions as the credit domain expert
Create knowledge base articles and credit strategy guides
Gather customer feedback to inform product roadmap
5-8 years of hands-on experience in credit risk, underwriting, or lending operations
Direct experience implementing or managing credit decisioning systems
Background working with credit bureaus, scorecards, and policy rules
Experience in fintech, digital lending, or credit technology preferred
Track record of successful customer implementations or consulting
Strong understanding of credit decisioning workflows and underwriting logic
Experience with credit data sources (bureaus, bank data, alternative data)
Proficiency in data analysis and basic SQL for credit portfolio analysis
Familiarity with credit regulations and fair lending requirements
Understanding of credit scoring models and risk segmentation
Knowledge of API integrations and data mapping
Deep knowledge of consumer and/or SMB lending products
Understanding of credit metrics (approval rates, default rates, vintage analysis)
Familiarity with modern underwriting approaches (cash flow, BNPL, thin-file)
Knowledge of regulatory requirements across different states/regions
Experience with multiple lending verticals is a plus
Experience with credit platforms (Provenir, GDS Link, Zest AI)
Background in specific verticals (embedded lending, neobanks, BNPL)
Basic Python/R for credit analysis
Experience building ML models in credit decisioning
Relevant certifications or advanced degree in finance/risk
Compensation: Competitive salary and equity packages, including a 401k plan
Flexibility: Remote-first culture — work from anywhere
Health: 100% Employer covered comprehensive health, dental, and vision insurance with a top tier plan for you and your dependents (US)
Balance: Unlimited PTO policy
Technical: AI First company; both Co-Founders are engineers at heart; and over 50% of the company is Engineering and Product
Culture: Family-Friendly environment; Regular team events and offsites
Development: Unparalleled learning and professional development opportunities
Gear: Home office setup assistance
Impact: Making the internet safer by protecting online transactions
Top Skills
What We Do
Oscilar is the leading provider of AI-native risk intelligence for financial institutions. Based in Palo Alto, California, Oscilar powers real-time risk decisioning across fraud, credit, and compliance through a single, unified solution. Our no-code AI Risk Decisioning™ platform leverages agentic AI and advanced signal processing to analyze complex data, detect
anomalies, and automate mission-critical decisions with speed and precision. Built by the team behind risk systems at Google, Meta, Uber, Citi, and J.P. Morgan, Oscilar combines deep technical expertise with cloud-native architecture to deliver scalability, transparency, and regulatory-grade performance. Oscilar empowers banks, fintechs, and digital asset services to navigate complex risk landscapes and grow with confidence in an AI-activated world.
