Biz2credit Jobs in Usa

About Us

At Biz2Credit, we seek individuals who are eager to join a dynamic and innovative fintech company on a mission to transform the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward.

As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we're here to make that happen. That's why we're dedicated to developing cutting-edge solutions. One of them is our Biz2X platform, a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible.

But we're more than just another FinTech company. We're a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that's why we value a culture that is inclusive and supportive. We're looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work.

So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit.

About the Role:

The UX Designer will play a key role in shaping the user experience of Biz2X, our enterprise SaaS lending platform used by banks and financial institutions. You will translate complex financial workflows into intuitive, elegant, and scalable experiences. This role partners closely with Product, Engineering, Data, Sales, and Marketing to uncover customer needs, define value, and deliver solutions that are usable, viable, and impactful.

You will work across both Biz2Credit (small business lending) and Biz2X (enterprise SaaS), engaging directly with clients and internal stakeholders to design workflows, interfaces, and systems that improve speedtodecision, operational efficiency, and borrower experience.‑to‑decision, operational efficiency, and borrower experience.

Responsibilities

• Build UX design across the full product lifecycle—from discovery and ideation to detailed design and implementation.

• Collaborate with cross functional teams to define user journeys, workflows, and interaction patterns. ‑functional teams to define user journeys, workflows, and interaction patterns.

• Create wireframes, prototypes, user flows, and design documentation that clearly communicate intent.

• Use data, user research, and competitive insights to inform design decisions and validate hypotheses.

• Contribute to and evolve our design system to ensure consistency, scalability, and efficiency.

• Partner with engineering to ensure high‑quality implementation and maintain design integrity.

• Facilitate alignment across teams and clients through clear communication, storytelling, and influence.

• Drive continuous improvement of the Biz2X experience across modules and markets.

Qualifications

• 1-3 years of experience in UX/Product Design, preferably in SaaS or enterprise software.

• Strong portfolio demonstrating complex workflow design, interaction design, and modern UI execution.

• Proficiency with Figma, Sketch, Adobe XD, or similar design tools.

• Experience working with design systems and component libraries.

• Understanding of UX research methods and how to apply insights to product decisions.

• Familiarity with front‑end technologies and how designs translate into development.

• Experience working in agile product environments.

• Strong visual, written, and verbal communication skills.

• Ability to think logically, structure ambiguity, and design for both user value and business outcomes.

• Experience with Jira, Asana, GitHub, or similar collaboration tools.

• Experience designing for SaaS products; fintech or lending experience is a strong plus.

• Experience collaborating with offshore development teams.

• Exposure to AI/ML‑driven features or data‑powered workflows is a plus.

• Experience with A/B testing, experimentation, and hypothesis-driven design.

About Us:

At Biz2Credit, we are looking for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward.

As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we're here to make that happen. That's why we're dedicated to developing cutting-edge solutions, like our Biz2X platform, a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible.

But we're more than just another FinTech company. We're a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that's why we value a culture that is inclusive and supportive. We're looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work.

So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit.

About the Role

Biz2Credit is launching a new small-business credit card, and we are hiring a Director of Credit Card Risk Strategy to build and scale the risk engine that powers the product. This role sits within the Risk organization and focuses on designing and executing the fraud and credit strategies required to safely grow a new card portfolio.

You will own fraud and credit risk strategy across the full lifecycle, partner with Data Science on model development, work with product and engineering to implement rules and logic, and collaborate with vendors who support fraud detection, identity verification, and credit decisioning. This is a hands-on, analytics-driven role for someone who has built or scaled card risk systems before.

Key Responsibilities

Fraud Risk Strategy & Analytics

• Develop and manage fraud strategies across the full credit card lifecycle: KYC, KYB, onboarding, transaction monitoring, disputes, and chargebacks
• Build and optimize fraud rules, signals, and decisioning logic
• Partner with Data Science to develop or enhance fraud models
• Monitor fraud KPIs, emerging patterns, and loss trends to adjust strategy
• Work with fraud vendors and platforms to implement rules, workflows, and detection capabilities

Credit Risk Strategy & Analytics

• Own credit line assignment, credit line increases (CLI), credit line decreases (CLD), and ongoing credit monitoring
• Develop and refine credit risk segmentation, cutoffs, and exposure strategies
• Partner with Data Science online assignment models and credit risk models
• Build dashboards and analytics to track credit performance, delinquencies, and portfolio trends
• Continuously optimize credit policies to balance growth and risk

Card Program Buildout & Scaling

• Contribute to building the fraud and credit risk foundation for a new credit card program
• Support scaling of the portfolio through iterative strategy, analytics, and model improvements
• Ensure risk systems, rules, and logic are implemented correctly across product, engineering, and vendor platforms

Cross‐Functional Collaboration

• Work closely with product, engineering, operations, and external vendors to launch and scale long duration programs
• Translate risk strategy into technical requirements for implementation
• Partner with compliance teams as needed; deep expertise not required, but familiarity with Reg Z, Reg B, FCRA, and UDAAP is helpful

Qualifications

• 5–10+ years of experience in credit card fraud risk, credit risk, risk analytics, or risk modeling
• Hands‐on experience with fraud lifecycle management: KYC, KYB, onboarding, transaction monitoring, disputes, chargebacks
• Experience with credit line strategy: limit assignment, CLI, CLD, and credit monitoring
• Strong analytics background; proficiency in SQL required, Python preferred
• Experience working with fraud and/or credit risk vendors and platforms (e.g., decision engines, fraud tools, KYC/KYB providers)
• Experience building or scaling risk strategies for a credit card program
• Ability to work cross functionally with product, engineering, data science, and vendors
• Familiarity with compliance requirements for credit cards; ability to partner with compliance teams

Who Thrives in This Role

• Someone who has built or scaled a credit card risk engine
• A fraud + credit strategist who is equally comfortable with rules, analytics, and models
• A hands-on operator who can design strategy and also dig into SQL
• Someone who enjoys cross-functional execution and long-term program building
• A risk expert who wants to shape the foundation of a new card product