Senior Credit Risk Business Architect, Senior Vice President; Hybrid). Wilmington LilyLi

We are seeking a highly experienced and strategic Senior Credit Risk Business Architect to lead the design and oversight of our credit risk technology ecosystem. This senior leader will ensure our architecture and processes are future‑ready, cost‑efficient, and capable of delivering exceptional performance across all credit risk functions. The role will partner closely with Credit Risk business leaders, IT, and Finance to design, implement, and evolve the technology stack supporting our decisioning, monitoring, reporting, and compliance needs.

This is a critical role that requires a strong blend of technical architecture expertise, business acumen, and strategic leadership. The Senior Credit Risk Business Architect is not simply a technology specialist – it is a strategic leadership role that ensures credit risk capabilities are architected for resilience, scalability, cost‑effectiveness, and high performance. By partnering across IT, Finance, and Credit Risk business owners, this role will help us build a unified, future‑ready credit risk technology ecosystem that supports business growth, regulatory compliance, and operational excellence.

• Establish and maintain the reference architecture for all credit risk capabilities, spanning data ingestion, modeling, decision engines, monitoring tools, and reporting solutions.
• Provide deep architectural design expertise to ensure our solutions are future‑ready, modular, and flexible for evolving needs.
• Create architectural patterns and guardrails that balance performance, security, regulatory compliance, and operational resilience.

• Drive a deeper evaluation of total cost of ownership (TCO) across credit risk platforms, ensuring investment decisions are well‑informed and sustainable.
• Identify redundancies, inefficiencies, and opportunities to simplify the technology ecosystem while maintaining or improving performance.
• Partner with Finance and IT to align cost structures with value creation.

• Ensure that the technology stack underpinning credit risk delivers the highest level of performance to support decision speed, accuracy, and reliability.
• Anticipate and proactively design for volume growth, regulatory changes, and new product needs.

• Act as the key liaison between IT and business owners across credit risk, translating business needs into technical solutions that are both practical and scalable.
• Serve as the integrator who ensures that business priorities, risk requirements, and technology design remain tightly aligned.
• Provide architectural guidance during vendor evaluations, proof of concepts, and technology onboarding.

• Ensure architecture decisions proactively address emerging risks, compliance expectations, and data governance requirements.
• Drive innovation by evaluating new tools, technologies, and methods that could advance our credit risk strategy and strengthen competitive advantage.

• Establish and maintain the reference architecture for credit risk platforms, applications, and data flows.
• Define architectural standards, frameworks, and guardrails to guide solution delivery.
• Provide architectural leadership on design reviews, proof of concepts, and technology evaluations.

• Ensure systems meet or exceed business expectations for speed, accuracy, and resilience.
• Anticipate future needs and design scalable solutions to support growth, new products, and regulatory change.
• Drive innovation by assessing emerging tools, platforms, and methods for credit risk management.

• Conduct deep analysis of total cost of ownership (TCO) across credit risk technologies.
• Identify redundancies and opportunities to simplify, modernize, and streamline the stack.
• Partner with Finance and IT to align investment decisions with value creation.

• Serve as the key liaison between Credit Risk leadership and IT teams.
• Translate business requirements into technical designs that are…