SVP, Credit Risk & Policy

Accion Opportunity Fund (AOF) is a leading Community Development Financial Institution dedicated to providing underserved small business owners with access to capital, networks, and coaching. For over 30 years, AOF has helped small business owners create jobs, build wealth, and strengthen communities by providing responsible financing and business support services.

Since our founding, we have deployed more than $1 billion in financing and have served more than 4 million entrepreneurs through educational resources and business support programs. The majority of our clients come from historically underserved communities where access to traditional financing remains limited.

As AOF continues its mission of expanding financial inclusion, we are building a scalable, sustainable financial institution that combines mission impact with strong financial performance. Our strategic vision includes expanding our lending capabilities, strengthening enterprise risk management, and preparing for future growth across additional financial products, including Credit Union services.

The SVP, Credit Risk & Policy is the senior executive responsible for developing, implementing, and overseeing AOF’s enterprise-wide credit risk management framework. This leader establishes and maintains the organization’s credit philosophy, underwriting standards, portfolio risk management practices fraud prevention strategies, allowance methodologies and governance processes to ensure safe, sound, compliant and mission-driven lending.

The SVP will provide strategic leadership across all credit-related functions while ensuring the organization maintains strong asset quality, regulatory compliance, and sustainable portfolio growth. The position is responsible for balancing prudent risk management with AOF’s mission of expanding access to capital for underserved small businesses.

This leader partners closely with the Executive Leadership Team, Credit Risk Committee, Board of Directors, regulators, auditors, and external partners to ensure that credit policies, portfolio performance and risk management practices support the organization’s long-term strategic objectives.

The SVP will also play a key leadership role in preparing AOF for further expansion into additional financial products, including SBA lending, Credit Union products, consumer lending and commercial real estate while maintaining consistent enterprise risk management, standards, long-term financial and sustainable growth, and customer impact within AOF’s target markets.

• Develop and execute the organization’s enterprise-wide credit risk management strategy.
• Establish and maintain the overall credit philosophy, risk appetite, underwriting standards, and portfolio management framework.
• Lead the ongoing development and enhancement of credit policies, risk scoring models, underwriting guidelines, and approval authorities.
• Ensure enterprise credit risk practices align with AOF’s strategic objectives, mission, and regulatory requirements.
• Serve as the primary advisor to Executive Management and the Board on credit risk matters.
• Support and participate in the Credit Risk Committee and present regular portfolio performance and risk assessments to executive leadership and the Board of Directors.

• Develop, maintain, and periodically update enterprise credit, underwriting, fraud, and portfolio management policies.
• Ensure underwriting processes appropriately balance predictive analytics, automated decisioning, alternative data sources, and experienced credit judgment.
• Continuously improve credit decision quality while enhancing the customer experience and reducing turnaround times.
• Establish…