Consumer Finance Direct Portfolio/Risk Specialist

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.
• Aid in 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.