Director, Credit Risk Oversight

• Provide independent Second Line of Defense oversight and credible challenge of credit underwriting, approval, pricing, loan amount, applicant verification, portfolio management strategies, and credit policies
• Evaluate proposed credit strategy changes and exceptions, including rationale, analysis, expected outcomes, risks, testing, monitoring plans, and alignment with risk appetite and portfolio objectives
• Assess governance for strategy approval, documentation, implementation, and post-launch monitoring
• Recommend enhancements to frameworks, policies, and limits
• Document and communicate independent assessments, challenges, and conclusions to senior management and governance forums
• Support regulatory examinations, internal audits, and remediation related to credit strategy, governance, and portfolio performance
• Monitor portfolio performance across products, vintages, risk tiers, credit score bands, customer segments, channels, and other risk dimensions
• Identify emerging risks, performance deterioration, concentrations, and variances from expectations or risk parameters
• Evaluate actual and expected effects of strategy changes and growth initiatives on approvals, volume, portfolio mix, credit quality, losses, pricing, and profitability
• Develop independent analyses challenging First Line of Defense monitoring, assumptions, and conclusions
• Recommend analysis, escalation, or management action when warranted
• Develop and maintain credit risk reporting, portfolio insights, and dashboards for senior management and governance committees
• Translate complex credit performance information into conclusions and recommendations
• Escalate material credit risks, adverse performance trends, strategy concerns, limit breaches, and decision-strategy issues
• Track significant credit risk matters through resolution and closure

• 10 or more years of experience in consumer credit risk, underwriting strategy, pricing strategy, portfolio management, or credit risk oversight
• Significant experience with unsecured and/or secured personal loan products
• Direct experience developing or managing consumer credit strategies within the First Line of Defense, or independently overseeing and challenging those strategies within the Second Line of Defense
• Experience with underwriting, approval, pricing, loan amount, applicant verification, or portfolio management strategies
• Deep understanding of consumer credit risk drivers, borrower segmentation, exposure management, credit decisioning, underwriting policies, risk scores, and lending strategy data
• Ability to evaluate vintage performance, delinquency and loss trends, and portfolio profitability
• Experience using data-driven analysis to identify credit risk, challenge assumptions, influence decisions, and present conclusions to senior management or governance committees
• Advanced proficiency in SQL and/or Python
• Ability to source, manipulate, validate, and analyze consumer credit and portfolio performance data independently
• Ability to develop credit risk reports, dashboards, supporting materials, and ad hoc analyses
• Advanced analytical and quantitative skills
• Excellent written and verbal communication skills
• Effective stakeholder management skills
• Strong organizational skills and ability to manage multiple priorities
• Experience developing or overseeing credit card existing account management strategies is preferred

Demonstrates extensive expertise in consumer credit risk management, including underwriting strategy, portfolio management, and credit risk oversight. Proficient in data-driven analysis and reporting, with strong communication and stakeholder management skills.

• Consumer Credit Risk Management
• Underwriting Strategy Development
• Advanced SQL Proficiency
• Data-Driven Analysis
• Portfolio Performance Monitoring

• Credit Risk Oversight
• Underwriting Policies
• Pricing Strategy
• Loan Amount Assessment
• Applicant Verification
• Portfolio Management Strategies
• Credit Decisioning
• Risk Score Analysis
• Quantitative Analysis
• Credit Risk Reporting

• Excellent Written Communication
• Effective Stakeholder Management
• Strong Organizational Skills
• Ability to Manage Multiple Priorities
• Verbal Communication Skills

• Consumer Credit
• Risk Appetite
• Governance Frameworks
• Credit Strategy
• Regulatory Examinations

• SQL
• Python
• Credit Risk Dashboards
• Data Analysis Tools
• Portfolio Insights