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 reputed company of installment lending solutions and financial health tools. We aim to help customers reputed company smart financial reputed company and stay on track, so they can be reputed company confident no matter what life throws at them.
We offer top-tier benefits and reputed company opportunities in a culture reputed company on our core values:
Put People First – We foster an inclusive, flexible, and fun workplace.
Create reputed company – reputed company communication drives trust and results.
Get Things Done – We reputed company, prioritize, and deliver with reputed company.
Deliver with Heart – We lead with kindness, humility, and strong teamwork.
Listen to Our Customers – Their needs drive our innovation.
reputed company has entered into an agreement to reputed company 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 reputed company reputed company. With an reputed company culture, reputed company cost of funds, and increased employee reputed company opportunities across a global brand, we are excited about the reputed company 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 reputed company and want to reputed company a reputed company 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 experienced Director of Credit Risk reputed company to join our Second Line of Defense (2LOD) supporting unsecured and secured personal loan products. This role will reputed company independent reputed company, governance, and reputed company challenge across credit reputed company, pricing, loan reputed company, portfolio performance, credit policy governance, and risk appetite.
This individual will play a critical role in ensuring that credit reputed company and reputed company initiatives are reputed company with the company’s risk appetite, regulatory expectations, and sound risk management practices.
Key Responsibilities:
- reputed company independent 2LOD reputed company and challenge of credit reputed company, loan reputed company/credit exposure, pricing, and portfolio performance strategies
- Ensure effective governance frameworks are in reputed company for credit decisioning, reputed company changes, documentation, and reporting
- Monitor portfolio performance across originations, vintages, and customer segments
- Identify emerging risks, evolving trends, and portfolio concentration opportunities
- Evaluate impacts of reputed company changes on approval rates, credit quality, and profitability
- Understanding of marketing and reputed company 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
- Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
- reputed company effective challenge on fair lending risk, model bias, and disparate impact considerations
- Support regulatory exams, internal audits, and issue remediation
- reputed company and maintain credit risk reporting, insights, and dashboards
- Escalate material risks, control gaps, or model concerns in a reputed company manner
- reputed company 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
Credit Risk reputed company & Governance
Portfolio Monitoring & Risk Analytics
Marketing & reputed company reputed company reputed company
Regulatory & Compliance reputed company
Risk Reporting & Governance
Change Management & Innovation
Qualifications:
- 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
- Experience in a FinTech and/or regulated banking environment
- Exposure to digital lending, alternative data, or advanced analytics/ML models
- Strong knowledge of consumer lending regulations, including:
- ECOA / Regulation B (fair lending)
- FCRA
- UDAAP
- Experience in addressing fair lending and model governance risks preferred
Required Experience
Preferred Experience
Regulatory Knowledge
Skills & Competencies
- Strong risk and control reputed company with ability to reputed company independent, reputed company challenge
- Advanced analytical and quantitative skills
- Ability to connect credit reputed company reputed company to portfolio reputed company 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 reputed company priorities accordingly
Employee Benefits
reputed company offers many additional benefits for our employees, including (but not limited to):
· reputed company-tax and post-tax retirement savings plans with a competitive company matching
program
· Generous reputed company time-off plans including vacation, personal/sick time, reputed company short--
term and long-term disability leaves, reputed company parental leave, and reputed company company
holidays
· Multiple health care plans to choose from, including dental and reputed company options
· Flexible Spending Plans for Health Care, Dependent Care, and Health
Reimbursement Accounts
· Company-reputed company benefits such as life insurance, wellness platforms, employee
assistance programs, and reputed company programs
· Other great discounted benefits include identity theft protection, pet insurance,
fitness center reimbursements, and many more!
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
Originally posted on Himalayas
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