EMPOWER OVERVIEW

Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.

This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech.

Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.

The Opportunity: Head of Credit, India

Empower is looking for an experienced analytics leader to join our fintech startup and own the Credit function for our newly acquired credit business, Nira, in India. Nira offers personal loans mainly to consumers with loan amounts up to Rs. 2,00,000 and terms up to 36 months. Empower is planning to grow Nira by applying its underwriting and credit expertise. Empower’s main business is in the United States with flagship Cash Advance, Line of Credit and Credit Card products. Empower also operates lending businesses in Mexico and the Philippines.

As part of the International Credit and Data Science team, you will develop and iterate on risk models and credit policies that drive underwriting as a competitive advantage for Empower and launch innovative products that solve customer problems. This role will report to Empower’s Head of International Credit and Data Science.

The ideal candidate is driven by a passion for leveraging data and analytics to fuel business growth and improve customer financial well-being. This individual will lead teams and workstreams that seek to understand consumer needs and behaviors and develop solutions to allow Empower to resiliently offer the right products. The right candidate thrives on tackling complex challenges and is proficient in utilizing a wide range of technical tools to achieve impactful outcomes.

How youll make an impact

Develop new credit policies for Empower’s business in India and drive analysis to uncover novel insights that move our business forward
Collaborate closely with the Data Science team to influence and use models that solve business outcomes
Build out frameworks, infrastructure, and controls to manage credit programs with high quality
Work with Empower’s leadership team to build out strategy and growth plans while managing financial outcomes
Partner with other credit and data science teams operating internationally and in the US to identify transferable learnings, strategies, and synergies and help implement them.
Partner with leaders in product, engineering, marketing, and finance to ensure that the team’s work fits within the larger picture
Hire talented team to staff new projects as the business grows

What makes you a great fit

Bachelor’s degree in Engineering, Business, Finance, Computer Science, or Mathematics
6+ years of industry experience in data analytics and credit risk management, ideally in APAC
Experience leading a team of analysts
Ideal candidate location is in APAC, preferably in Bangalore, India
Eagerness to learn new tools and analytical methods, staying up to date with innovative trends and new products in the industry
Exceptionally strong problem solving and communication with the ability to both get in the weeds and communicate to an executive audience

Our Interview Process

Initial Recruiter Call: A conversation to learn about your experience and what youre looking for in your next role.
Hiring Manager Interview: A deeper discussion about your background and approach to solving challenges.
Skills Panel: Meet with Empower team members to discuss your expertise and problem-solving approach through real-world scenarios.
Leadership Conversation: A final conversation with our CEO or CTO to discuss our mission and how you could contribute to it (and how we can help you achieve your career goals along the way).

Dont meet every qualification? If youre excited about this challenge and driven to innovate, we still want to hear from you!

What Youll Get at Empower

Meaningful Ownership: Competitive salary and generous equity in a profitable, fast growing company.
Complete Support: 100% coverage for medical, dental, vision, and life insurance, plus a generous WFH reimbursement.
High-Impact Teams: The chance to thrive in a small, focused team where your contributions directly shape outcomes for our business and customers.
Remote First: A virtual first environment built on trust and outcomes.
Team Connection: Twice-yearly company onsites where we come together to connect, learn, and build for the future (our last few have been in San Diego, Vail, and Flagstaff)!
Growth Path: Ongoing opportunities for development in a dynamic, supportive, and creative environment.

The Empower Way

The Empower Way is one where bold ambition meets an owner mindset, where open dialogue and spirited debate are encouraged, and where everyone works together to put our customers first. We believe diverse voices lead to the best ideas, and we foster an environment where every individual is valued, heard, and supported as part of one unified team working to change lives and build a more inclusive future.

If that sounds like you, join us and be part of a team thats helping millions of people reshape their financial futures.