Director of Financial Risk Management, Circle

• 12+ years in financial risk management within management consulting and/or banking, leading engagement across risk types (e.g., market, credit, liquidity, and financial operations)
• 5+ years of experience managing and leading teams
• Demonstrated extensive experience in leading analytical initiatives, developing tools for risk identification, measurement, and monitoring, including stress testing, scenario analysis, and machine learning solutions, utilizing large datasets to address complex challenges
• Experience in credit risk model development: behavior/transition models (PD, LGD, transition matrix); knowledge of credit due diligence process, portfolio monitoring and loss forecast
• Proven success moving GenAI solution from proof of concept to production with robust governance
• Ability to translate complex regulatory requirements into scalable data, model, workflow design
• Familiar with and had experience operating under the "Three Lines of Defense" governance framework; familiar with risk and issue management and change control
• Strong program management discipline in developing risk roadmap, OKR and KPIs
• Experience leading large, cross-functional programs, collaborating with product, data science, and engineering teams
• Exceptional communication and stakeholder management skills: synthesize analytics into clear narratives, secure regulatory alignment and drive decision-making with senior management; ability to operate across global teams and engage with executive leadership and risk committee/board-level stakeholders
• Familiarity with generative AI models (ChatGPT, Gemini, etc.) and prompt development

Desirable

• Owning, developing, and maintaining financial risk analytics capabilities to ensure risks are comprehensively identified, measured, monitored, and mitigated throughout the product lifecycle
• Leading the development and adoption of advanced AI and machine learning capabilities to enhance Circle’s financial risk management
• Maintaining and enforcing risk appetite, limits, and controls across key financial risk types, ensuring Circle remains within its strategic and regulatory risk profile
• Overseeing Circle’s Financial Model Risk Management program, ensuring models are properly governed, validated, and monitored to support sound and timely business decisions
• Providing independent oversight and challenge to the first line of defense; coordinating across specialized risk committees, working groups, and other governance forums
• Shaping how Circle anticipates, measures, and manages financial risk in a rapidly evolving environment
• Overseeing and challenging existing risk metrics monitoring, scenario analysis and stress testing conducted across businesses and legal entities, ensuring robust methodologies and outcomes
• Leading the evolution of Circle’s financial risk analytics by building data-driven, AI-powered tools and real-time reporting capabilities that strengthen financial resilience
• Providing strategic guidance to Circle’s financial model risk management program, managing, mentoring, and coaching the team to ensure activities are carried out in line with Circle’s standards and regulatory expectations
• Designing and enhancing Circle’s comprehensive, legal entity and product-specific financial risk management frameworks to integrate seamlessly into product launch, reserve management, and capital planning, stress testing and regulatory compliance
• Collaborating with Business, Product, Finance, Legal, Compliance, and other relevant teams to ensure the cohesion of risk management activities and the integration of risk considerations into business strategies, product launches, and ongoing operations
• Supporting financial risk governance by interacting with risk committees, and specialized risk working groups and providing high-quality risk reporting, insights, and recommendations
• Leading structured regulatory gap assessments in response to evolving frameworks; strengthening risk policies and procedures; coordinating timely, high-quality responses to supervisory inquiries, and contributing to shaping industry standards and participation in industry forums