Mission Lane is revolutionizing access to credit to pave a clear way forward for millions of Americans on the path to financial success. By attracting top-tier talent and leveraging cutting-edge technology, we’re redefining consumer credit for the better. Sound like a mission you can get behind?

Mission Lane brings a customer-first mindset to all we do including our approach to risk management. In this role, you will help us mitigate risk, maximize customer engagement with our products, and ultimately strengthen customers financial health. The operational risk manager will establish and support standards and governance mechanisms to enable risk-conscious decision making across the company. The operational risk manager will partner with peer compliance, vendor management, customer journey, product, and operations managers to understand the intended experience, identify gaps in execution, and address those gaps. The operational risk manager will own the core issue management process, coordinate issue response, and report to internal and external parties regarding risks and their status to influence corrective actions.

The Operational Risk Manager will:

Understand and measure the intended experience:

Become well-versed in intent and customer experience to effectively advise stakeholders
Coordinate and execute risk assessments, collaborating with a diverse set of stakeholders on scoring and corrective action plans
Document and monitor suite of controls to influence new controls and corrective actions
Implement and enhance suite of risk and process artifacts

Monitor and address gaps between execution and intent:

Partner with teams to enhance controls, alerting, and response
Own and enhance process for issue management (flow of work, system fields, reporting)
Coordinate tactical issue containment and remediation
Ensure company-wide adherence to issue response timeframes
Escalate and document high severity issues for internal and external coordination

Improve experience and processes:

Create process to track, manage, and influence action on outstanding action items from risk assessments and issue process
Influence risk-based prioritization in local and cross-functional team roadmaps
Influence a culture of risk-conscious decision making across the company
Where warranted, lead projects to mitigate key gaps

You’ll thrive in this role if:

5+ years experience in first or second-line risk, control, or compliance role in regulated industry
5+ years experience developing and improving risk frameworks and strategies
Experience driving risk-based outcomes with tools like: risk registers, risk assessments, risk control matrices, business continuity plans, and incident response plans
Experience influencing across role types (e.g. operations, tech) and leadership levels
Experience solving complex, analytical problems using tools like Google Sheets, SQL, or Tableau

Youll get bonus points for:

7+ years experience in first or second-line risk, control, or compliance role in regulated industry
7+ years experience developing and improving risk frameworks and strategies
Experience scaling risk frameworks for small-medium sized companies
Risk management certification: Operational Risk Management Certification (ORM), Certified Enterprise Risk Professional (CERP), and/or Professional Risk Manager (PRM)
Technical aptitude (you won’t code, but familiarity with concepts helps with control artifacts)

Compensation:

Base Salary: $118,774

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes unlimited paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

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About Mission Lane:

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia.

It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit.

To date, over three million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores.

Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Interested in learning more? Check out The Mission Lane Junction for articles on culture, credit, and community, and The Mission Lane Newsroom for media mentions.

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Mission Lane is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law.

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting peopleops@missionlane.com.

Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Each Laner is responsible for keeping Mission Lane informed of their primary work location within the United States. Changes to a Laners work location may result in changes to certain benefits based on local policies and requirements. If a Laner desires to move to an approved state within the US, we ask that they notify People Operations at least 30 days prior to moving, so we can ensure appropriate setup takes place.