Director, Credit Risk Oversight

Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.

At Best Egg, you’ll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence —enhanced by Barclays’ commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people’s financial lives.

With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique.

We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.

We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team.

We are seeking an experienced Director of Credit Risk Oversight to join our Second Line of Defense (2

LoD) team supporting unsecured and secured personal lending and existing account management strategies for the credit card portfolio.

This role provides independent oversight and credible challenge of underwriting, pricing, loan amount assignment, applicant verification, and portfolio management strategies. The Director will evaluate strategy changes and portfolio performance to promote alignment with the company’s risk appetite, regulatory expectations, and sound risk management practices.

• Provide independent 2
  
  LoD oversight and credible challenge of credit underwriting, approval, pricing, loan amount, applicant verification, portfolio management strategies, and credit policies.
• Evaluate proposed credit strategy changes and exceptions, including their rationale, supporting analysis, expected outcomes, key risks, testing and monitoring plans, and alignment with risk appetite, limits, and portfolio objectives.
• Assess the effectiveness of governance for strategy approval, documentation, implementation, and post-launch monitoring, and recommend enhancements to related frameworks, policies, and limits.
• Clearly document and communicate independent assessments, challenges, and conclusions to senior management and governance forums.
• Support regulatory examinations, internal audits, and remediation related to credit strategy, governance, and portfolio performance.

• Independently monitor portfolio performance across products, vintages, risk tiers, credit score bands, customer segments, channels, and other material risk dimensions.
• Identify emerging risks, performance deterioration, concentrations, and variances from approved expectations, forecasts, or risk parameters.
• Evaluate the actual and expected effects of strategy changes and growth initiatives on approvals, volume, portfolio mix, credit quality, losses, pricing, and profitability, including the adequacy of eligibility criteria, exposure limits, testing parameters, monitoring plans, and exit criteria.
• Develop independent analyses that challenge First Line of Defense monitoring, assumptions, and conclusions.
• Recommend additional analysis, escalation, or management action when portfolio performance or strategy outcomes warrant.

• Develop and maintain independent credit risk reporting, portfolio insights,…