Director Credit Risk

Director, Credit Risk

Job Purpose The Director, Credit Risk is responsible for portfolio analytics, business performance reporting / initiatives, and business unit support for the Risk Management organization within Regional Management. This position will utilize advanced skills to develop strategies to drive growth in our consumer portfolios that are within RM’s risk targets. The Director will deliver rigorously analytically derived recommendations driven from detailed understanding of risk and reward dynamics across RM’s lending products.

• Data analysis, monitoring and forecasting, creating the logic for and implementing risk rules and strategies.
• Communicate with stakeholders to ensure we deliver the best possible customer experience while meeting loss rate targets.
• Proactively monitor credit exposure and provide recommendations and approvals to breaches in the credit process.
• Observe key trends, threats, inaccuracies and drivers of those observations to identify areas of opportunity.
• Spearhead initiatives to enable profitable growth while minimizing credit risk exposure.
• Run credit tests to optimize risk strategies, balancing risk and return.
• Mines, models, analyzes large datasets and utilizes predictive modeling techniques (linear/logistic regression, factor analysis, decision trees, clustering, segmentation).
• Quantitative analysis of custom score models including validation, ongoing performance monitoring, and documentation.
• Forecast performance of marketing campaigns and track actual campaign performance versus the forecast.
• Conduct ad‑hoc research projects incorporating project design, data collection, analysis, summarization of findings, and presentation of results.
• Process large volume of transaction‑level data and efficiently derive actionable results.
• Interact with stakeholders to understand their business questions, craft methodology, mine/analyze datasets utilizing SAS/R/Python, and deliver insightful recommendations.

• Bachelor’s degree in Statistics, Data Analytics, Economics, Math, or a related field.
• 6+ years of consumer finance, risk analytics, or relevant experience.
• Experience in data mining, modeling, and analyzing analytic findings using SAS/R/Python.
• Advanced programming skills in SAS/R/Python and SQL.
• Moderate to expert level skills in Microsoft Office Suite (Excel, Access, Outlook).
• Must pass pre‑employment screenings.

• Experience in financial services with consumer credit data utilizing SAS/R/Python.
• Experience analyzing marketing data in a financial environment.
• Experience developing risk models for a financial institution.

• Excellent oral and written communication skills, especially the ability to explain complex analyses in easily understood terms.
• Excellent organizational skills with the ability to prioritize and handle multiple tasks and responsibilities simultaneously.
• Utilize appropriate analysis, judgment and logic when solving problems and making decisions.
• Demonstrated ability to apply complex financial and statistical principles.
• Effective written and verbal presentation skills; able to communicate well with senior and executive management.
• Innovative problem solving, quantitative and analytical abilities.
• Detail‑oriented.
• Work with minimal supervision.
• Flexible, proactive working style.
• Adaptable to a team environment.

This position works in an office environment.

3–5 direct reports.

Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex, sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law. Regional’s policy of non‑discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection;

compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.