Director of Credit

150,000+ Bonus - DOE | Hybrid (3 Days On-Site), Direct Hire

• Competitive base salary commensurate with experience
• Schedule:
  
  Day Shift | Hybrid work model (3 days on-site)
• Direct hire opportunity with long-term career growth and leadership visibility
• High-impact individual contributor role with full ownership of credit risk strategy

The Director, Credit Risk – Unsecured Installment Lending is an individual contributor responsible for owning the end-to-end credit risk strategy for a defined unsecured lending vertical. This role manages the full lifecycle of automated credit decisioning, from strategy design and implementation through validation and ongoing performance monitoring. The position supports unsecured installment loans ranging up to $200,000 and is accountable for delivering target customer quality, delinquency, and loss outcomes.

Success in this role requires deep hands-on analytics, independent credit judgment, and strong cross-functional partnership.

• Own and manage the full lifecycle of unsecured installment lending credit risk strategy
• Design, implement, validate, and optimize automated credit decisioning strategies
• Perform hands-on data analysis to monitor portfolio performance and conduct root-cause analysis
• Ensure portfolio outcomes align with risk appetite, delinquency targets, and loss expectations
• Partner with Product teams to align credit strategy with pricing, customer journey, and digital placement
• Communicate complex credit strategies and performance insights to non-technical stakeholders and executive leadership
• Drive credit strategies through regulatory and compliance review and approval processes
• Evaluate implementation impacts including score changes, customer communication, and decision timing

• Extensive credit risk management experience within banking or lending-focused fintech environments
• Direct experience with unsecured consumer installment lending required
• Strong hands-on analytics capability with advanced proficiency in Python and SQL;
  Excel used as a supplemental tool
• Demonstrated ability to make independent credit decisions and own portfolio outcomes
• Strong understanding of consumer lending regulations and compliance processes
• Excellent communication skills with the ability to translate analytics into business and risk insights
• Comparable experience may come from roles titled Manager, Risk Manager, VP, or Lead at other financial institutions

• Medical, dental, and vision benefits
• Paid holidays and time off
• Ongoing training and professional growth opportunities

You will join a collaborative, data-driven lending environment that emphasizes accountability, flexibility, and strong risk management practices. The organization values thoughtful decision-making, cross-functional partnership, and balancing performance with prudent risk oversight.

The Reserves Network, a veteran-founded and family-owned company, specializes in connecting exceptional talent with rewarding opportunities. With extensive industry experience, we are dedicated to helping you achieve your professional goals and shine in your field. The Reserves Network values diversity and encourages applicants from all backgrounds to apply. As an equal-opportunity employer, we foster an environment of respect, integrity, and trust in every aspect of employment.

The base salary range for this position is excluding benefits, bonuses, or other compensation. Your final salary will depend on your skills, qualifications, experience, location, and internal pay equity. Please note, hiring at the top of the range is uncommon to allow room for future salary growth.