Faster approval. Lower APRs. Lower monthly payments. It. Backed by Kleiner Perkins.
About the role
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. This is a foundational role: you'll build the frameworks that determine who we lend to, at what price, and how we manage risk as we scale. You'll work closely with our CEO, COO, product, and engineering teams, and have direct influence over the performance and risk profile of Trovy's loan portfolio.
What they're looking for
- 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
- Experience with credit bureau data, AVM outputs, and automated underwriting systems
- Familiarity with income verification methodologies including GSE-style documentation, bank statement analysis, and third-party verification vendors (such as Plaid, Argyle, Equifax Work Number)
More about this role
Trovy is building the financial home base for America's 86 million homeowners — the go-to platform for managing your home and accessing low-rate credit, because life is expensive and unpredictable. We believe your biggest asset should unlock your best financial options: bypass the myriad of expensive, rigid credit products and replace them with one simple, powerful solution built around your home equity. Backed by top-tier venture capital, Trovy is led by a team of proven fintech innovators on a mission to make homeownership and personal finances more manageable. Don't own a home without it.
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. This is a foundational role: you'll build the frameworks that determine who we lend to, at what price, and how we manage risk as we scale. You'll work closely with our CEO, COO, product, and engineering teams, and have direct influence over the performance and risk profile of Trovy's loan portfolio. The ideal candidate brings deep lending expertise, strong quantitative instincts, and the ability to operate in a fast-moving,...
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