DirectorofCreditRisk

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.   We're looking for a Director of Credit Risk to lead our Credit & Spend Management team. This team owns every credit and spend product Relay offers to small businesses—from charge cards and lending to the underlying credit infrastructure and the surrounding user experience. Today, credit represents the largest game changing opportunity for Relay. We own our users’ core banking and deposits through a powerful suite of checking, saving, and debit offers presented with a software layer that enables granular compartmentalization and provides precise financial clarity to the business owners. Your mandate is to build on that strength, and ‘make Relay the first choice for SMB credit’. This opportunity will not only help us serve our clients’ needs fully, but also deepen monetization and drive new growth for Relay. We are deeply committed to this mission, and have built a cross functional tribe with embedded core product resources to see it through. You’ll lead this tribe, reporting to our CEO with full P&L accountability. The team spans risk, product, engineering, data, and design across four squads: Charge Card, Lending, Spend Management, and Credit Infrastructure. This is not a strategy-only role. You’ll define the roadmap, build the credit engine, own underwriting direction, and drive outcomes across the full lifecycle—from acquisition through app flows and risk and portfolio management.   What You'll Be Doing - Lead the Credit & Spend Management tribe as a cross-functional GM, managing 6 to 8 direct reports and guiding embedded product, engi