Engine Director, Risk builds and owns Engine’s risk tolerance framework and governs first-line risk operations. This role partners with Product, Engineering, and Sales to embed risk standards and enable growth while managing risk exposure.
Responsibilities
Build and own Engine’s risk tolerance framework — define delinquency rate guardrails, fraud rate targets, and escalation thresholds that give the business a clear signal on when to tighten and when to lean in.
Establish second-line governance — document what requires Risk sign-off before going live, including credit policy changes, fraud control modifications, and product feature decisions that carry risk exposure.
Stand up and run Engine’s Risk Committee — cadence, reporting package, escalation protocol to ELT, and the communication rhythm that keeps leadership informed without requiring them to be in the weeds.
Govern first-line operations: Sr. Manager, Fraud Operations and Sr. Manager, Credit report into this role; develop their capabilities alongside the function’s analytical rigor.
Partner directly with Product and Engineering to translate risk policy into product logic, application-stage controls, and automation — risk standards should be embedded in the product, not bolted on after the fact.
Own the risk appetite conversation with Sales — holding guardrails without becoming a blocker, and building the credibility to make that relationship work.
Partner with Legal/Compliance on regulatory obligations including BSA/AML and card issuing compliance.
Translate operational risk signals into P&L language for finance, executive, and board audiences.
Build risk reporting infrastructure — quarterly delinquency and fraud rate reporting against defined targets.
Qualification
8-10+ years in risk (credit a mustStrong cross-functional influenceRegulatory familiarityFintechCompensationBenefitsEnvironments for Success
Required
8-10+ years in risk (credit a must, ideally credit & fraud), with 3+ years leading teams
Demonstrated ability to balance risk rigor with business growth — you’ve held the line and enabled the business, and you can tell that story with specific examples.
Direct Product/Engineering partnership experience — translating risk policy into product decisions and automation, not just advisory sign-off.
Strong cross-functional influence: you’ve navigated risk appetite vs. growth tension with Sales and Product and come out with both sides trusting you.
Strong executive communication — you translate risk signals into business and financial language without losing precision.
Fintech, card issuing, or lending environment required. FRM (Financial Risk Manager), CPA, or CFE (Certified Fraud Examiner) a plus.
Compensation: Competitive base pay tied to role and experience, with equity for all employees. Some roles are also eligible for bonuses or commissions.
Benefits: Check out our full list at engine.com/culture
Environments for Success: Different roles have different needs in terms of the environments that drive success which is why we have a hybrid-hub model. Whether you are in one of our amazing offices or fully remote, we'll make sure you have what you need to succeed.
