Head of Consumer Credit Risk

About the Company

Gemini is a global crypto and Web3 platform founded by Tyler Winklevoss and Cameron Winklevoss in 2014. Gemini offers a wide range of crypto products and services for individuals and institutions in over 70 countries.

Crypto is about giving you greater choice, independence, and opportunity. We are here to help you on your journey. We build crypto products that are simple, elegant, and secure. Whether you are an individual or an institution, we help you buy, sell, and store your bitcoin and cryptocurrency.

At Gemini, our mission is to unlock the next era of financial, creative, and personal freedom.

The Department: Financial Risk

The Role: Associate Director, Credit Risk (Head of Consumer Credit Risk)

Gemini is seeking a seasoned and strategic Head of Consumer Credit Risk to lead the credit risk and fraud loss prevention functions within the Financial Risk organization, reporting directly to the CFO. This director-level role is responsible for defining and executing a robust credit risk strategy, including for the Gemini credit card. The ideal candidate will play a pivotal role in scaling the credit card offering deliberately and responsibly, balancing growth with risk mitigation. This position requires strong cross-functional leadership, deep technical expertise, and the ability to influence senior leadership. The Head of Consumer Credit Risk will lead a high-performing team to deliver on these critical responsibilities.

This role exemplifies the impact and expectations of a principal-level leader: solving complex, mission-critical problems; shaping long-term strategy; and influencing technology and business direction across the organization.

Responsibilities:

• Design and implement a comprehensive credit risk strategy aligned with the company's growth objectives and risk appetite.
• Oversee fraud risk management initiatives to prevent and detect fraudulent activity across the credit portfolio.
• Collaborate closely with the Product team to guide credit card development and expansion, ensuring responsible user acquisition and risk-adjusted profitability.
• Lead the development and refinement of credit policies, underwriting criteria, and risk assessment models.
• Monitor portfolio performance, fraud trends, and loss patterns; establish metrics and controls to detect and mitigate emerging risks.
• Partner with Data Science, Engineering, and Operations to develop scalable risk infrastructure, including automation and real-time analytics.
• Represent credit and fraud risk perspectives in executive decision-making forums and advocate for data-driven, customer-centric solutions.
• Maintain compliance with applicable regulatory requirements and industry best practices in credit and fraud risk management.
• Build, mentor, and lead a team of credit and fraud risk professionals to achieve operational and strategic goals.

Qualifications:

• 15+ years of experience in credit risk and fraud loss prevention, with a focus on consumer credit and card products.
• Demonstrated success in designing and executing credit and fraud strategies that drive business growth while minimizing losses.
• Deep understanding of credit risk modeling, fraud detection systems, underwriting practices, and portfolio management.
• Proven ability to lead high-impact cross-functional initiatives and influence at the executive level.
• Strong analytical and strategic thinking skills, with the ability to translate complex data into actionable insights.
• Excellent communication and stakeholder management skills.
• Bachelor’s degree in Finance, Economics, Statistics, or a related field; advanced degree preferred.

• Competitive starting salary
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off

Salary Range: The base salary range for this role is between $182,000 - $254,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

In the United States, we have a flexible hybrid work policy for employees who live within 30 miles of our office headquartered in New York City and our office in Seattle. Employees within the New York and Seattle metropolitan areas are expected to work from the designated office twice a week, unless there is a job-specific requirement to be in the office every workday. Employees outside of these areas are considered part of our remote-first workforce. We believe our hybrid approach for those near our NYC and Seattle offices increases productivity through more in-person collaboration where possible.

At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.

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