Head of Credit Jobs
Head of Credit jobs are open across banking, fintech, insurance, and commercial lending, from senior manager to VP and C-suite levels, with specializations in consumer credit, commercial underwriting, and credit risk modeling. Scan the live roles below and apply to whichever ones fit.
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Showing 5 of 8+ Head of Credit jobs
Company Overview
Xen.AI ( https://xen.ai/ ) is a global leader in Artificial Intelligence (AI) research and development, dedicated to transforming operations for financial institutions such as credit unions and community banks through innovative AI, Machine Learning, Deep Learning, Data Science, and fully managed SaaS solutions. Our mission is to empower our clients with cutting-edge digital transformation tools rooted in advanced data science.
Job Summary
We are seeking a dynamic and strategic Head of Sales, Business Development & Marketing for AI solutions tailored to credit unions and community banks. This leadership role offers an exciting opportunity to spearhead growth initiatives, build strong client relationships, and lead cross-functional teams in a fast-paced, enterprise environment. The ideal candidate will be passionate about leveraging technology sales expertise to expand market presence and deliver impactful AI-driven solutions.
Compensation
Please note - For the 1st year all compensation would be 100% revenue based on the client projects that you would help to get and deliver.
After 1st year, based on company's progress we can consider formal corporate positions with market standard salary and equity etc.
Duties
- Develop and execute comprehensive sales strategies targeting credit unions and community banks to achieve aggressive growth objectives.
- Recruit, lead and manage a high-performing sales team, fostering a culture of excellence, accountability, and continuous improvement.
- Cultivate and maintain strong relationships with key decision-makers at client organizations through proactive outreach, presentations, and negotiations.
- Drive business development efforts by identifying new market opportunities, creating tailored proposals, and closing complex enterprise deals.
- Collaborate closely with marketing teams to develop targeted campaigns that elevate brand awareness and generate qualified leads.
- Utilize CRM systems such as Hubspot to track sales activities, analyze pipeline health, and generate insightful reports on sales performance.
- Provide executive-level reporting on sales metrics, market trends, and customer feedback to inform strategic planning.
Qualifications
- 10+ years of experience in doing consultative selling and professional services selling with Credit Unions and Community Banks.
- Proven experience in business development within the Credit Unions, Community Banks, Banking, Financial Services, Insurance sectors.
- Experience in selling Governance, Risk and Compliance (GRC) related solutions for community banks and credit unions.
- Proven success in outside sales, B2B sales, or enterprise selling within the financial technology sector or similar corporate environments.
- Extensive management experience leading sales or business development teams in SaaS or technology-driven markets.
- Strong background in marketing strategies combined with technical sales experience—particularly with AI or data science solutions for financial institutions.
- Proficiency with Hubspot CRM systems and sales management tools for analytics, reporting, and pipeline management.
- Exceptional customer relationship building skills with a focus on negotiation and deal closing at the executive level.
- Demonstrated ability to develop and implement effective sales strategies aligned with organizational goals.
- Excellent analysis skills to interpret market data, customer needs, and competitive landscape insights.
- Leadership qualities that inspire team development, cross-functional collaboration, and achievement of ambitious sales targets.
- Bachelor’s or Master's degree in Business, Marketing, or related field preferred.
- Authorized to work in United States, No H1B Visa or OPT sponsorship.
This role offers an inspiring platform for a motivated leader eager to shape the future of AI solutions within the financial services sector—empowering credit unions and community banks through innovative technology partnerships.
!!!! Please note that we do not work with any recruiters !!!!
Pay: $1.00 per year
Benefits:
- Flexible schedule
Work Location: Remote
Company Overview
Xen.AI ( https://xen.ai/ ) is a global leader in Artificial Intelligence (AI) research and development, dedicated to transforming operations for financial institutions such as credit unions and community banks through innovative AI, Machine Learning, Deep Learning, Data Science, and fully managed SaaS solutions. Our mission is to empower our clients with cutting-edge digital transformation tools rooted in advanced data science.
Job Summary
We are seeking a dynamic and strategic Head of Sales, Business Development & Marketing for AI solutions tailored to credit unions and community banks. This leadership role offers an exciting opportunity to spearhead growth initiatives, build strong client relationships, and lead cross-functional teams in a fast-paced, enterprise environment. The ideal candidate will be passionate about leveraging technology sales expertise to expand market presence and deliver impactful AI-driven solutions.
Compensation
Please note - For the 1st year all compensation would be 100% revenue based on the client projects that you would help to get and deliver.
After 1st year, based on company's progress we can consider formal corporate positions with market standard salary and equity etc.
Duties
- Develop and execute comprehensive sales strategies targeting credit unions and community banks to achieve aggressive growth objectives.
- Recruit, lead and manage a high-performing sales team, fostering a culture of excellence, accountability, and continuous improvement.
- Cultivate and maintain strong relationships with key decision-makers at client organizations through proactive outreach, presentations, and negotiations.
- Drive business development efforts by identifying new market opportunities, creating tailored proposals, and closing complex enterprise deals.
- Collaborate closely with marketing teams to develop targeted campaigns that elevate brand awareness and generate qualified leads.
- Utilize CRM systems such as Hubspot to track sales activities, analyze pipeline health, and generate insightful reports on sales performance.
- Provide executive-level reporting on sales metrics, market trends, and customer feedback to inform strategic planning.
Qualifications
- 10+ years of experience in doing consultative selling and professional services selling with Credit Unions and Community Banks.
- Proven experience in business development within the Credit Unions, Community Banks, Banking, Financial Services, Insurance sectors.
- Experience in selling Governance, Risk and Compliance (GRC) related solutions for community banks and credit unions.
- Proven success in outside sales, B2B sales, or enterprise selling within the financial technology sector or similar corporate environments.
- Extensive management experience leading sales or business development teams in SaaS or technology-driven markets.
- Strong background in marketing strategies combined with technical sales experience—particularly with AI or data science solutions for financial institutions.
- Proficiency with Hubspot CRM systems and sales management tools for analytics, reporting, and pipeline management.
- Exceptional customer relationship building skills with a focus on negotiation and deal closing at the executive level.
- Demonstrated ability to develop and implement effective sales strategies aligned with organizational goals.
- Excellent analysis skills to interpret market data, customer needs, and competitive landscape insights.
- Leadership qualities that inspire team development, cross-functional collaboration, and achievement of ambitious sales targets.
- Bachelor’s or Master's degree in Business, Marketing, or related field preferred.
- Authorized to work in United States, No H1B Visa or OPT sponsorship.
This role offers an inspiring platform for a motivated leader eager to shape the future of AI solutions within the financial services sector—empowering credit unions and community banks through innovative technology partnerships.
!!!! Please note that we do not work with any recruiters !!!!
Pay: $1.00 per year
Benefits:
- Flexible schedule
Work Location: Remote
Head of Credit Jobs by Experience Level
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Find Head of Credit JobsHead of Credit Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in head of credit jobs.
- 7 or more years of credit underwriting, risk management, or lending experience
- Demonstrated experience leading and developing credit or risk teams
- Deep knowledge of credit policy development and portfolio management
- Proficiency with credit scoring models, data analytics tools, and loan management systems
- Experience ensuring compliance with federal and state lending regulations
- Bachelor's degree in finance, accounting, economics, or a related field
Tips for Your Head of Credit Job Search
Quantify credit portfolio outcomes on your resume
Hiring managers for head of credit roles want to see portfolio size, loss rates, approval volumes, and risk-adjusted returns you've owned. Replace duty-based bullet points with outcome metrics that show scale and impact across the credit function.
Tailor your resume to the lending vertical
Consumer credit, commercial lending, and specialty finance each have distinct risk frameworks. Align your resume language to the vertical in each job posting, using the same terminology for credit policies, underwriting models, and regulatory environments the employer actually works in.
Apply early to roles that fit
Migrate Mate lists head of credit openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target companies at a credit inflection point
Fintechs scaling their lending book, banks responding to regulatory pressure, and lenders pivoting their credit strategy all hire heads of credit urgently. Prioritize openings at companies that have recently raised debt capital, changed their risk appetite, or launched a new credit product.
Prepare a credit philosophy statement for interviews
Interviewers at the VP and C-suite level will ask how you balance growth with risk. Prepare a concise, evidence-backed statement on how you set credit policy, where you draw risk limits, and how you have adjusted strategy when delinquency or charge-off trends shifted.
Negotiate scope before negotiating compensation
Before accepting any offer, clarify what the head of credit will own: underwriting authority, collections, credit operations, and reporting lines to the CFO or CEO. Scope determines your leverage to build a team, influence strategy, and demonstrate the results that drive your next move.
Head of Credit Jobs: Frequently Asked Questions
How many head of credit jobs are remote?
About 100% of head of credit openings are fully remote or hybrid as of November 2026, though fully on-site roles remain common at community banks and regulated lenders. Credit strategy, policy work, and analytics-heavy functions tend to have the most remote flexibility, while roles requiring direct oversight of underwriting teams or branch operations are more likely to be on-site.
How do you become a head of credit?
Most heads of credit build their career through underwriting, credit analysis, or risk management roles, progressively taking on portfolio oversight and team leadership. Earning a CFA, FRM, or completing graduate coursework in finance strengthens your candidacy. Moving into a director or VP of credit role before stepping up to head of credit is the most common path, as employers want proven experience setting policy and managing a full credit function.
Can you get a head of credit job without senior leadership experience?
It's rare but possible at smaller lenders, credit unions, or early-stage fintechs where the credit function is being built from scratch. If you're a senior credit analyst or underwriting manager, emphasize any experience where you drafted policy, defined risk appetite, or made autonomous credit decisions. Demonstrating that you've owned outcomes, not just executed on someone else's framework, is what moves you past the experience gap.
What does the head of credit interview process look like?
The process typically starts with a recruiter or HR screen, followed by a structured interview with the CFO, CEO, or chief risk officer covering your credit philosophy and portfolio management experience. Expect a case study or scenario round where you're asked to assess a credit policy, evaluate a portfolio segment, or respond to a deteriorating risk environment. Final rounds often include a presentation to the executive team or board.
Where can I find and apply to head of credit jobs?
You can find and apply to head of credit jobs on Migrate Mate, which lists current openings from across the United States. Search the roles available, find the ones that match your experience and the lending vertical you work in, and apply directly to each listing that fits.
See All 8 Head of Credit Jobs
Find roles that match your experience and apply in just a few clicks.
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