Director, Credit Risk

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.

We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.

If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!

About the Role

The Director, Credit Risk Management, leads the development and execution of credit risk strategies across the organization, with responsibility for originations and underwriting, portfolio analytics, business performance reporting, and risk strategy development. This role oversees the design, implementation, and governance of enterprise-wide credit policies and underwriting standards to ensure sound risk management practices. The Director drives data-driven decision-making to optimize portfolio performance, balancing growth objectives with risk appetite and established performance targets. As a senior leader, this individual provides strategic insights and recommendations grounded in advanced analytics and a deep understanding of credit risk dynamics across consumer lending products, supporting sustainable business growth and portfolio quality.

What You'll Do

Credit Strategy & Portfolio Leadership

• Lead the design and execution of credit risk strategies across originations and underwriting
• Optimize portfolio performance while balancing growth, loss targets, and risk appetite
• Oversee portfolio monitoring, forecasting, and performance analytics

Risk Governance & Policy

• Establish and evolve enterprise credit policies, underwriting standards, and governance frameworks
• Ensure compliance with regulatory expectations and internal risk controls
• Partner with Compliance, Audit, and Asset Review to maintain strong risk oversight

Analytics & Insights

• Deliver data-driven insights on portfolio health, including delinquency trends, loss performance, and profitability
• Lead stress testing and scenario analysis to evaluate portfolio resilience
• Identify emerging risks, performance anomalies, and optimization opportunities

Advanced Modeling & Data Utilization

• Leverage traditional and alternative data to enhance credit decisioning
• Apply advanced analytical techniques (regression, segmentation, clustering) to improve risk strategies
• Oversee model development, validation, and performance monitoring

Business Partnership & Leadership

• Advise executive leadership on credit risk exposure and strategic decisions
• Partner with business leaders to align risk strategies with growth objectives
• Lead initiatives that improve underwriting effectiveness and segmentation

What You Bring

Required Qualifications

• Bachelor's degree in Statistics, Economics, Data Analytics, Mathematics, or related field
• 6+ years of experience in credit risk, consumer finance, or analytics
• Strong experience with data analysis and modeling (SAS, R, Python, SQL)
• Proven ability to translate complex analytics into business insights

Preferred Qualifications

• Experience in consumer lending or financial services
• Background in marketing analytics or risk model development
• Experience leading enterprise-level credit strategies

Key Strengths

• Strategic thinker with strong business acumen
• Exceptional communication skills (translating analytics → executive insights)
• Strong analytical and problem-solving capabilities
• Ability to operate in a fast-paced, data-driven environment
• Collaborative and influential leadership style

Direct Reports

3-5 direct reports.

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