Consumer Finance Direct Portfolio/Risk Specialist

This position can be located at any Huntington Bank Corporate office location.

About the Role

The Consumer Finance Direct Lending Portfolio & Risk Specialist plays a key role in overseeing the credit risk performance of the Direct Lending portfolio, including unsecured and/or secured consumer lending products. This position is responsible for ongoing portfolio monitoring, risk identification, performance analysis, and supporting sound credit practices through data-driven insights, policy development, and cross-functional collaboration. The Specialist partners closely with Risk, Credit, Product, Operations, and Technology teams to ensure portfolio strategies align with regulatory expectations, company risk appetite, and business objectives.

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.

Requirements

• 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.

Schedule

Exempt status: Yes (not eligible for overtime pay).

Certain positions outside our branch network may be eligible for a flexible work arrangement, combining in-office and work-from-home opportunities. Specific work arrangements will be provided by the hiring team.

Pay

The compensation range for this position is $57,000.00 - $113,000.00 USD annually. Actual compensation will vary based on factors including location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.

Benefits

• Health insurance coverage
• Wellness program
• Life and disability insurance
• Retirement savings plan
• Paid leave programs
• Paid holidays and paid time off (PTO)

Huntington will not sponsor applicants for immigration benefits, including work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basis.