Director of Credit
TrovyHome Equity company
New York, United States$170,000 - $210,000Director
Left Lane Capital
Kleiner Perkins
DCM Ventures
Leadership & General Management
About the role
TL;DR
Build and manage Trovy's credit function from policy to portfolio analytics.
- •We're seeking a Director of Credit to own the full credit function at Trovy
- •from policy and underwriting methodology to loan pricing and portfolio analytics.
- •Key Responsibilities Own and continuously refine Trovy's credit policy across the HELOC product, including eligibility criteria, LTV/CLTV limits, and draw controls Develop and maintain underwriting guidelines that balance risk appetite with growth objectives Design and document exception frameworks and escalation procedures Own Trovy's loan pricing model, including margin setting, risk-based pricing logic, and rate floor/cap parameters Build and own credit performance reporting: approval rates, pricing distribution, delinquency, default, and loss metrics by vintage, segment, and state Requirements 7+ years of experience in credit, underwriting, or risk at a lender, bank, or fintech Direct experience with consumer real estate credit (HELOC, home equity, mortgage) strongly preferred Strong quantitative and analytical skills
- •comfortable building models, running regression analyses, and drawing conclusions from messy data Proficiency in SQL; experience with Python or R a strong plus Familiarity with income verification methodologies including GSE-style documentation, bank statement analysis, and third-party verification vendors (such as Plaid, Argyle, Equifax Work Number)
Required skills
SQLRisk Management
Nice-to-have skills
PythonR
Domain expertise
fintech
Benefits & perks
Equity, 401K account, 100% company-paid dental, medical, vision and life insurance, Flexible time off
Tech stack
SQL