Summary

The Department: Financial Risk

The Role: Associate Director, Credit Risk (Head of Consumer Credit Risk)

Gemini is seeking a seasoned and strategic Head of Consumer Credit Risk to lead the credit risk and fraud loss prevention functions within the Financial Risk organization, reporting directly to the CFO. This director-level role is responsible for defining and executing a robust credit risk strategy, including for the Gemini credit card. The ideal candidate will play a pivotal role in scaling the credit card offering deliberately and responsibly, balancing growth with risk mitigation. This position requires strong cross-functional leadership, deep technical expertise, and the ability to influence senior leadership. The Head of Consumer Credit Risk will lead a high-performing team to deliver on these critical responsibilities.

This role exemplifies the impact and expectations of a principal-level leader: solving complex, mission-critical problems; shaping long-term strategy; and influencing technology and business direction across the organization.

This role is required to be in person twice a week at either our Seattle, WA, New York City, NY, or Miami, FL office.

Responsibilities:

1. Design and implement a comprehensive credit risk strategy aligned with the company's growth objectives and risk appetite.
2. Oversee fraud risk management initiatives to prevent and detect fraudulent activity across the credit portfolio.
3. Collaborate closely with the Product team to guide credit card development and expansion, ensuring responsible user acquisition and risk-adjusted profitability.
4. Lead the development and refinement of credit policies, underwriting criteria, and risk assessment models.
5. Monitor portfolio performance, fraud trends, and loss patterns; establish metrics and controls to detect and mitigate emerging risks.
6. Partner with Data Science, Engineering, and Operations to develop scalable risk infrastructure, including automation and real-time analytics.
7. Represent credit and fraud risk perspectives in executive decision-making forums and advocate for data-driven, customer-centric solutions.
8. Maintain compliance with applicable regulatory requirements and industry best practices in credit and fraud risk management.
9. Build, mentor, and lead a team of credit and fraud risk professionals to achieve operational and strategic goals.

Qualifications:

1. 15+ years of experience in credit risk and fraud loss prevention, with a focus on consumer credit and card products.
2. Demonstrated success in designing and executing credit and fraud strategies that drive business growth while minimizing losses.
3. Deep understanding of credit risk modeling, fraud detection systems, underwriting practices, and portfolio management.
4. Proven ability to lead high-impact cross-functional initiatives and influence at the executive level.
5. Strong analytical and strategic thinking skills, with the ability to translate complex data into actionable insights.
6. Excellent communication and stakeholder management skills.
7. Bachelor’s degree in Finance, Economics, Statistics, or a related field; advanced degree preferred.

It Pays to Work Here

The compensation & benefits package for this role includes:

1. Competitive starting salary
2. A discretionary annual bonus
3. Long-term incentive in the form of a new hire equity grant
4. Comprehensive health plans
5. 401K with company matching
6. Paid Parental Leave
7. Flexible time off

Salary Range: The base salary range for this role is between $162,500 - $250,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

Skills

• Analytical Thinking
• Communications Skills
• Risk Analysis
• Strategic Thinking