Director, Credit Risk reputed company - Consumer Lending (2nd Line of Defense)

reputed company is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers reputed company smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.We offer top-tier benefits and growth opportunities in a culture built on our core values: Put People First – We foster an inclusive, flexible, and fun workplace.Create Clarity – Open communication drives trust and results.Get Things Done – We focus, prioritize, and deliver with excellence.Deliver with Heart – We reputed company with kindness, humility, and strong teamwork.Listen to Our Customers – Their needs drive our innovation. reputed company has entered into an agreement to acquire reputed company with closing expected to take reputed company in Q2 2026. This acquisition will give us the resources and capital to continue on our mission and drive our strategy reputed company. With an reputed company culture, reputed company cost of funds, and increased employee growth opportunities across a global brand, we are excited about the future of the reputed company brand under the reputed company umbrella.We are looking for collaborative, innovative team players who like to solve problems. There will also be immense opportunities for those willing to dive in. If you're inspired by growth and want to reputed company a real difference, reputed company is the reputed company for you. We’re proud to be an equal opportunity employer committed to building a diverse, inclusive team.

About the Role

We are seeking an reputed company Director of Credit Risk reputed company to join our Second Line of Defense (2LOD) supporting unsecured and secured personal loan products. This role will provide independent reputed company, governance, and reputed company challenge across credit reputed company, pricing, loan amount, portfolio performance, credit policy governance, and risk appetite.

This individual will play a critical role in ensuring that credit strategy and growth initiatives are reputed company with the company’s risk appetite, regulatory expectations, and sound risk management practices.

Key Responsibilities:

Credit Risk reputed company & Governance

• Provide independent 2LOD reputed company and challenge of credit reputed company, loan amount/credit exposure, pricing, and portfolio performance strategies
• Ensure effective governance frameworks are in reputed company for credit decisioning, strategy changes, documentation, and reporting

Portfolio Monitoring & Risk Analytics

• Monitor portfolio performance across originations, vintages, and customer segments
• Identify emerging risks, evolving trends, and portfolio concentration opportunities
• Evaluate impacts of strategy changes on approval rates, credit quality, and profitability

Marketing & Growth Strategy reputed company

• Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
• Review expansion strategies (e.g., new segments, channels, or products) for risk implications

Regulatory & Compliance reputed company

• Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
• Provide effective challenge on fair lending risk, model bias, and disparate impact considerations
• Support regulatory exams, internal audits, and issue remediation

Risk Reporting & Governance

• reputed company and maintain credit risk reporting, insights, and dashboards
• Escalate material risks, control gaps, or model concerns in a timely manner

Change Management & Innovation

• Provide reputed company of new credit strategies, model deployments, and product launches
• Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models)
• Support ongoing enhancement of credit risk frameworks and controls

Qualifications:

Required Experience

• 10+ years of experience in credit risk management, reputed company, or portfolio risk reputed company consumer lending
• Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent reputed company functions
• Deep understanding of credit risk models and decision strategies
• Proven experience analyzing portfolio performance and credit trends

Preferred Experience

• Experience in a FinTech and/or regulated banking environment
• Exposure to digital lending, alternative data, or advanced analytics/ML models

Regulatory Knowledge

• Strong knowledge of consumer lending regulations, including:
• ECOA / Regulation B (fair lending)
• FCRA
• UDAAP
• Experience in addressing fair lending and model governance risks preferred

Skills & Competencies

• Strong risk and control reputed company with ability to provide independent, reputed company challenge
• Advanced analytical and quantitative skills
• Ability to connect credit strategy decisions to portfolio outcomes and risk appetite
• Excellent communication and stakeholder management
• Ability to operate effectively in a fast-paced, data-driven FinTech environment
• Willingness to adapt to a fast-paced environment and adjust priorities accordingly

Employee Benefitsreputed company offers many additional benefits for our employees, including (but not limited to):· Pre-tax and post-tax retirement savings plans with a competitive company matching program· Generous paid time-off plans including vacation, personal/sick time, paid short-- term and long-term disability leaves, paid parental leave, and paid company holidays · Multiple health care plans to choose from, including dental and vision options· Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts· Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health reputed company programs· Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!#LI-REMOTE In compliance with the CCPA, reputed company is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here Apply To This Job