Consumer Finance Direct Portfolio/Risk Specialist

Summary

The Consumer Finance Direct Lending Portfolio & Risk Specialist oversees the credit risk performance of the Direct Lending portfolio, including unsecured and/or secured consumer lending products. This role involves ongoing portfolio monitoring, risk assessment, and supporting sound credit practices through data-driven insights, policy development, and cross-functional collaboration.

Key Responsibilities

- Monitor and analyze direct lending portfolio performance to identify emerging credit quality trends, deterioration risks, and opportunities for improvement. - Conduct ongoing portfolio risk assessments, including delinquency, loss, vintage, and concentration analysis. - Prepare and deliver clear, concise portfolio reporting, dashboards, and executive summaries highlighting key performance indicators and risk metrics. - Identify economic, operational, and credit risk impacts to the portfolio and recommend mitigation strategies. - Support the development, review, and maintenance of credit policies, procedures, and risk governance documentation. - Participate in and support User Acceptance Testing (UAT) for system changes, credit strategy enhancements, and new product initiatives to ensure alignment with credit policy and risk controls. - Collaborate with cross-functional partners (Credit, Compliance, IT, Operations, Product, and Analytics) to implement portfolio strategies and process improvements. - Ensure documentation and analysis meet regulatory, audit, and internal risk management standards. - Assist with special projects, regulatory exams, internal audits, and ad hoc risk initiatives as assigned.

Required Qualifications

- 5–10 years of experience in consumer lending, portfolio management, credit risk, underwriting, or a related discipline. - Strong knowledge of direct lending products and consumer credit risk principles. - Minimum of 4 years of experience in a portfolio risk, credit risk, or analytical role. - Demonstrated ability to analyze complex data and translate findings into actionable insights. - Strong written and verbal communication skills, with the ability to present risk concepts clearly to diverse audiences. - Highly detail-oriented with strong organizational and documentation skills. - Proven ability to write and maintain credit policies and procedures. - Experience working in or supporting a UAT testing environment. - High school diploma or equivalent required (Bachelor’s degree preferred).

Preferred Qualifications

- ACAPS (or similar risk/credit certification) experience preferred. - Experience supporting regulatory exams and internal audits. - Familiarity with consumer credit models, scorecards, or risk-based pricing frameworks. - Advanced proficiency in Excel and experience with portfolio reporting or analytics tools. - Bachelor’s degree in Finance, Economics, Business, Risk Management, or a related field.