SENIOR MANAGER, CREDIT RISK

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over 6 million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

ABOUT THE ROLE:

We are looking for a Senior Manager, Credit Risk to join our team and drive the growth of our Credit and Liquidity products and business. This is a critical role for Current at a time of rapid growth. The key objectives of this role are to enable profitable growth of our Credit and liquidity products/businesses by focusing on Credit/underwriting strategy, design, execution, management and continuous improvement. We are looking for a person with exceptional analytical skills, a hands-on approach, and a business owner mentality.

KEY RESPONSIBILITIES:

• Develop strategy and roadmap for underwriting of products; drive continuous improvement of existing products to achieve business objectives
• As an individual contributor, frame the credit product design, approach to underwriting analysis and modeling from beginning to end and simulate, iterate, validate the credit underwriting, offer terms
• Be a hands-on leader that works with data analysts, cross-functionally and with external vendors to design, test, deliver, and monitor new underwriting and ongoing account management for our credit/ liquidity products including Paycheck Advance, Overdraft, and Credit Builder.
• Work closely with internal stakeholders including: Finance to ensure a well-managed process for provisioning, true-up and release of loss allowances, and for funding strategy and execution; Legal/compliance for regulatory requirements
• Interface with Bank partners on risk-related agenda and processes

ABOUT YOU:

• Credit Risk strategist - Has experience in credit risk domain throughout the lifecycle of credit and liquidity products
• Critical thinker - consider problems from all angles to remove bias and touch bottom on key assumptions
• Creative problem-solver - able to find creative solutions that finds win win across constraints and objectives
• Results-oriented - You ground contributions in real business and customer impact and prioritize effectively to maximize speed-to-impact. 
• Fast learner - you have no problem picking up new skills or tools to get the job done.
• Intellectually curious - seek to understand the why behind the numbers and love nerding out over a new insight
• Exceptional written and oral communication skills. You drive alignment through grounded arguments, interpersonal skills, and negotiation skills.  
• Thrive when working in a fast-moving, ambiguous environment

• Excited by large breadth of problem areas

REQUIREMENTS:

• 6+ years of management experience in standing up successful new underwriting for credit / liquidity products in digital and start-up environments
• Deep knowledge and experience of underwriting and credit management domains including cash flow and credit data based underwriting, credit and banking data environments, successful underwriting / offer principles that balance revenue and risk, experiment design related to credit, customer behavior, risk modeling and ongoing portfolio management processes
• Demonstrated competencies and capabilities in credit risk analytics across the lifecycle for different products including technical skills in SQL, Python and other modeling tools
• Masters or Undergraduate degree with a quantitative concentration
• Exceptional written and oral communication skills.
• Strong people leader and collaborator.
• Able to handle competing priorities and influence leadership decision-making

This role has a base salary range of $180,000.00 to $250,000.00. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

BENEFITS:

• Competitive salary 
• Meaningful equity in the form of stock options 
• 401(k) plan
• Discretionary performance bonus program 
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents 
• Flexible time off and paid holidays 
• Generous parental leave policy
• Commuter benefits 
• Fitness benefits
• Healthcare and Dependent care FSA benefit 
• Employee Assistance Programs focused on mental health 
• Healthcare advocacy program for all employees 
• Access to mental health apps 
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches

DIRECTOR, RISK

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over 6 million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

ABOUT THE ROLE:

We are looking for a Director of Risk to join our team and lead Current’s fraud strategy function, including oversight of new account creation, authentications, first party fraud, authorizations, disputes, and chargebacks. This role balances hands-on oversight with forward-thinking strategy, enabling the business to innovate boldly while managing fraud risk. This leader will also play a critical role in building a world-class enterprise risk management function. Reporting directly to the VP of Risk, this leader collaborates across teams, acts as a trusted partner to business owners and compliance groups, and cultivates a culture of proactive risk ownership.

KEY RESPONSIBILITIES:

• Actively manage fraud risk to deliver Company objectives
• Oversee risk strategy across the lifecycle, including onboarding (KYC) and ongoing (authentications / ATO, first party fraud) account fraud, card and money movement transaction risk, debit and credit disputes processing and chargeback strategies. Support fraud strategy team and actively deliver new initiatives when needed.
• Support accountable business leads in the definition of and management against fraud risk tolerances, including system and manual processing controls
• Define a multi-phase risk roadmap; Focus the company to invest in fraud hot spots and make progress against risk appetite
• Monitor risk trends and performance; own incident response including root cause analysis and go-forward controls
• Identify and surface emerging tools, capabilities, and/or data sources which will drive a strategic advantage for Current. 
• Develop relevant risk vendor relationships
• Support business leads and compliance partners in bank partner relationship management 
• Build, manage, and maintain a world-class enterprise risk management function
• Champion a transparent, pragmatic risk culture; equip first-line teams to own risk and make informed decisions
• Develop and maintain robust risk procedures
• Conduct second-line review of new initiatives to spot, assess, and preempt fraud risk
• Work closely with Finance and accountable business leads to deliver a well-managed process for provisioning, true-up and release of loss allowances 
• Hire, mentor, develop, and inspire a small but high-impact risk team ready to scale with the business

About You

• Fraud leader - experienced in Fraud risk domain throughout the lifecycle of account management, transactions, and disputes / chargebacks
• Results-oriented - You ground contributions in real business and customer impact and prioritize effectively to maximize speed-to-impact. 
• Exceptional written and oral communication skills. Builds context and tells a cohesive story across multiple complex systems. 
• Critical thinker - you consider problems from all angles to remove bias and touch bottom on key assumptions
• Fast learner - you pick up new skills and tools to get the job done.
• Creative problem-solver - able to identify obstacles and present viable solutions
• Thrive in a fast-moving, ambiguous environment
• Excited by large breadth of problem areas 

Requirements

• Experienced risk leader with 8-10+ years of professional experience 
• Domain knowledge in fraud, disputes/chargebacks, and payment processing in consumer fintech, deposit and credit businesses 
• Expert in risk-related regulations (e.g., AML, Reg E, Reg Z, Reg CC) and external partners / value chains (e.g. VISA, KYC Partners, money-movement partners, and offshore vendors).
• Undergraduate Degree with a quantitative major in Statistics, Economics, Computer Science, Mathematics, or related field. 
• Expert in quantitative analysis, exploratory / root cause analysis, business case development, experimental design and impact measurement, performance forecasting and monitoring, model monitoring, procedures, and risk management / maturity model frameworks. 
• Exceptional written and oral communication skills.
• Strong people leader and collaborator; experienced in leading organizational change.
• Able to handle competing priorities and influence leadership decision-making.

This role has a base salary range of $220,000.00 to $280,000.00. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

BENEFITS:

• Competitive salary 
• Meaningful equity in the form of stock options 
• 401(k) 
• Discretionary performance bonus program 
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents 
• Flexible time off and paid holidays 
• Generous parental leave policy
• Commuter benefits 
• Fitness benefits
• Healthcare and Dependent care FSA benefit 
• Employee Assistance Programs focused on mental health 
• Healthcare advocacy program for all employees 
• Access to mental health apps 
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches

Manager, Fraud Risk Strategy 

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over 6 million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

About the role:

We are looking for a Manager to join our Fraud Strategy team with a focus on payments transaction risk. This role is for someone who thrives in a fast-paced, collaborative, and data-driven environment. The key objectives of this role are to minimize fraud losses and operational costs while enabling improved experiences and ensuring compliance. In this role, you will develop and own fraud strategies across all card and money movement rails, debit and credit disputes processing and merchant chargeback processes. This is a critical role for the company at a time of rapid scale, and requires a leader with a business owner mentality and exceptional analytical skills.

Responsibilities: 

• Develop and own strategy for payments risk capabilities (automated and manual) that will enable growth while minimizing risk, including money-in and money-out transactions, disputes processing, and negative balance management 
• Forecast, manage and be accountable for total cost of risk including loss prevention and detection costs and cost of false positives to maximize risk adjusted returns
• Support the overall Payments Team risk roadmap, including exploratory analysis, business case development, experimental design, performance forecasting and monitoring, model monitoring
• Own incident detection and management, including root cause analysis, resolution, and communication to internal and external stakeholders
• Collaborate with Engineering, Product, and Data teams and other internal and external partners to deliver the the payments risk roadmap
• Contribute to a robust risk management culture at Current
• Identify and exploit emerging tools, capabilities, and/or data sources
• Develop and leverage expertise in regulations and external partners / value chains e.g. VISA, Money-Movement Partners, and offshore vendors in order to deliver business results 
• Partner with Fraud Operations and Compliance teams to ensure compliance, including procedure management and adherence, regulatory / bank partner exams, and issue resolution. 

About You:

• Fraud leader - Has experience in Fraud Risk in a Consumer Banking/ related domain
• Solid foundation in data sources, tools, and strategies for mitigating Fraud risk
• Exceptional written and oral communication skills. Builds context and tells a cohesive story across multiple complex systems.
• Critical thinker - you consider problems from all angles to remove bias and touch bottom on key assumptions
• Results-oriented - you ground contributions in business and customer impact and prioritize effectively to maximize speed-to-impact. 
• Creative problem-solver - identifies obstacles; investigates and presents viable solutions
• Thrive in a fast-moving environment

Requirements:

• 4+ years of progressive experience in analytics functions, mainly as an individual contributor performing quantitative analysis
• Prior experience in fraud risk risk management is required; Experience in payments risk strategy in consumer banking preferred 
• Undergraduate Degree with a quantitative major in Statistics, Economics, Computer Science, Mathematics, or related field. 
• Strong experience in exploratory and business analysis, experimental design, profitability drivers / unit economics 
• Exceptional written and oral communication skills.
• Strong thought leader and collaborator
• Able to handle competing priorities and influence leadership decision-making.

This role has a base salary range of $150,000-$195,000. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

Benefits:

• Competitive salary 
• Meaningful equity in the form of stock options 
• 401(k) plan
• Discretionary performance bonus program 
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents 
• Flexible time off and paid holidays 
• Generous parental leave policy
• Commuter benefits 
• Fitness benefits
• Healthcare and Dependent care FSA benefit 
• Employee Assistance Programs focused on mental health 
• Healthcare advocacy program for all employees 
• Access to mental health apps 
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches

Senior Manager, Disputes Operations

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over 6 million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

ABOUT THE ROLE

We’re looking for a Senior Manager, Disputes Operations to join our growing Risk Operations team in New York. In this role, you’ll own the end-to-end disputes function, overseeing day-to-day dispute operations while driving strategy, process improvements, and risk mitigation efforts. You’ll partner closely with Fraud Operations, Compliance, Member Experience, Product, and external partners to ensure disputes are handled accurately, efficiently, and in compliance with Federal Regulations and card network rules.

You’ll be responsible for managing the full dispute lifecycle from intake and investigation through resolution, recovery, and reporting while ensuring adherence to Regulation E, internal SLAs, and quality standards. As a people leader, you’ll coach and develop a team of disputes analysts, set performance expectations, and help scale processes as the business grows.

This role is ideal for someone who combines strong disputes expertise with operational leadership, sound judgment, and a customer-first mindset, and who is excited to build and improve a critical risk function in a fast-paced fintech environment.

RESPONSIBILITIES

Dispute Operations & Risk Management

• Own and oversee the full lifecycle of dispute case handling, ensuring timely, accurate, and compliant resolution
• Ensure disputes are processed in accordance with Regulation E, card network rules, and internal SLAs
• Review and resolve complex, high-risk, or escalated disputes and complaints
• Partner with merchants, networks, and external vendors to pursue recovery opportunities and minimize losses
• Monitor dispute metrics including volumes and aging
• Lead operational readiness for peak periods, volume spikes, and policy or regulatory changes

People Leadership & Team Development

• Manage, coach, and develop a team of Disputes Specialists, including onboarding, training, and ongoing performance management
• Set clear expectations around productivity, quality, and customer experience
• Conduct regular quality reviews and provide actionable feedback to improve accuracy and decision-making
• Foster a collaborative, accountable, and customer-focused team culture

Process Improvement & Cross-Functional Partnership

• Identify trends, root causes, and emerging risks across disputes, fraud, and customer behavior
• Lead initiatives to improve dispute workflows, reduce operational friction, and enhance the member experience
• Partner with Fraud Operations, Compliance, Member Experience, and Product teams to resolve systemic issues and influence upstream fixes
• Contribute to risk strategy discussions, including loss prevention and dispute deflection efforts
• Support vendor and BPO strategy, including performance management and capacity planning where applicable

Reporting & Compliance

• Ensure accurate documentation, audit readiness, and regulatory compliance across dispute operations
• Prepare and share insights, metrics, and recommendations with Risk leadership
• Support audits, exams, and internal reviews related to dispute handling
• Help evolve dispute policies and procedures to align with regulatory guidance and business growth

ABOUT YOU

• 6+ years of experience in disputes, fraud operations, payments, or banking, with deep ownership of dispute workflows
• 3+ years of people leadership experience
• Strong working knowledge of Regulation E and card network dispute rules
• Proven ability to manage escalations and make sound, defensible risk decisions
• Strong analytical skills with the ability to identify trends and translate insights into action
• Excellent written and verbal communication skills
• Highly organized, detail-oriented, and comfortable balancing multiple priorities
• Comfortable working in a fast-paced, evolving environment and leading through change
• Collaborative leader who builds strong relationships across teams

BONUS

• Fintech, payments, or high-growth startup experience
• Experience scaling dispute operations or building processes in a high-growth environment
• Exposure to dispute tooling, automation, or workflow optimization initiatives
• Experience partnering with or managing outsourced or offshore teams

This role has a base salary range of $140,000 - $200,000 Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

BENEFITS

• Competitive salary 
• Meaningful equity in the form of stock options 
• 401(k) plan
• Discretionary performance bonus program 
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents 
• Flexible time off and paid holidays 
• Generous parental leave policy
• Commuter benefits 
• Fitness benefits
• Healthcare and Dependent care FSA benefit 
• Employee Assistance Programs focused on mental health 
• Healthcare advocacy program for all employees 
• Access to mental health apps 
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches