Consumer Credit Director JN

Overview

Consumer Credit Director. Join a growing, forward-thinking bank where you will help shape the future of consumer lending strategy. This is a highly visible leadership role partnering directly with executive leadership to drive portfolio performance, profitability, and innovation across consumer credit products.

• Lead consumer credit strategy aligned with risk appetite, growth goals, and capital management
• Develop and manage underwriting policies, scorecard segmentation, and portfolio monitoring processes
• Oversee portfolio performance metrics including delinquency, losses, utilization, and risk-adjusted returns
• Provide pricing recommendations and implement early warning and loss mitigation strategies
• Lead loss forecasting and support CECL and stress-testing processes
• Present analytical findings and recommendations to senior leadership

• 10+ years of progressive experience in consumer credit risk within banking or financial services
• Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Engineering, or related quantitative field
• Lead consumer credit strategy aligned with risk appetite, growth goals, and capital management
• Develop and manage underwriting policies, scorecard segmentation, and portfolio monitoring processes
• Oversee portfolio performance metrics including delinquency, losses, utilization, and risk-adjusted returns
• Provide pricing recommendations and implement early warning and loss mitigation strategies
• Lead loss forecasting and support CECL and stress-testing processes
• Present analytical findings and recommendations to senior leadership

• Experience managing or mentoring credit risk, analytics, or underwriting teams
• Strong portfolio analytics and modeling experience (scorecards, forecasting, segmentation, pricing)
• Knowledge of consumer lending regulatory requirements (fair lending, UDAAP, ECOA, FCRA, TILA, SCRA, MLA)
• Ability to translate complex analytics into clear strategic recommendations for executives
• Experience working cross-functionally with finance, compliance, operations, and technology partners

• Competitive base salary ($150,000 – $220,000)
• Target annual bonus of approximately 20%
• Hybrid work environment
• Leadership role with executive exposure and strategic influence
• Opportunity to build and shape expanding consumer lending programs

Job