VP, Consumer Lending, Product Innovation & Credit Analytics

## VP, Consumer Lending, Product Innovation & Credit Analytics Apply:
Hybrid:
Jacksonville, FL - 100 W Bay St:
Full time:
Posted Yesterday:
R0012230

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees.  Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

VP, Consumer Lending, Product Innovation & Credit Analytics ACCOUNTABILITY  This senior leadership role encompasses the strategic and operational leadership responsibilities of the Consumer Lending Department including Data Analytics and model governance of artificial intelligence and machine learning models. This includes production innovation using growth analytics and data modeling to grow a $3.9 billion consumer loan portfolio across multiple states. The incumbent is responsible for providing strategic and operational direction in conjunction with the corporate business plans and objectives.

The oversight and leadership of this senior leadership have a high impact on the organization's  Key Performance Indicators including Net Income, Non-interest Income, Loan Growth, Member Growth, Charge-offs as well as Member Survey results. Key responsibilities include digital and loan origination platforms, Artificial Intelligence, and Machine Learning models to include guidance with model build and model validation. The candidate will manage all facets of consumer loan underwriting, consumer loan funding, loan fulfillment for an extensive branch retail network, call center, and all digital channels, as well as product innovation and assist with loan participation due diligence.

Recommends, develops, and implements short and long-term strategies to ensure VyStar maintains and balances growth and quality lending practices. Creates a professional, positive work environment where innovation in process improvement and excellent service delivery are required. Actively assists in the support and successful implementation of programs, products, and software which may include training. In addition, the Incumbent also has primary responsibility to manage and expand the lending channel including new product innovation and development and market expansion in line with credit union growth objectives and expansion into new markets.

The incumbent also has responsibility for managing the Data Analytics Manager and a team of data analysts, and lending platform system administrators. This team develops and monitors data models to enhance the overall automation and credit risk performance of the loan origination system and consumer loan portfolio quality.
** ESSENTIAL RESPONSIBILITIES
*** This role encompasses the strategic and operational leadership responsibility for the Consumer Lending Department. The incumbent is responsible for providing strategic and operational direction in conjunction with the corporate business plans and objectives.
* The candidate will manage all facets of consumer loan underwriting, consumer loan funding, loan fulfillment for an extensive branch retail network, call center, and all digital channels, as well as product innovation and assist with loan participation due diligence. The responsibilities encompass the management and validation of complex artificial intelligence models which include guidance with model builds, model validation, and regulatory compliance.

The incumbent also has responsibilities to effectively manage several key third-party strategic relationships that are critical to organizational overall success which include:
Trans Union, Zest Ai, Open Lending, Cune Xus, etc. The incumbent is also responsible for driving efficiencies through developing Robotic Process Automation (RPA) in collaboration with the Strategic & Business Transformation teams.
* Recommends, develops, and implements short and long-term strategies to ensure VyStar maintains and balances growth and quality lending practices. Creates a professional, positive work environment where innovation in process improvement and excellent service delivery are required.
* Actively assists in the support and successful implementation of programs, products, and software which may include training. In addition, the Incumbent also has primary responsibility
* to manage and expand the lending channel including new product innovation and development…