Director, Credit Risk

About the role

The Director, Credit Risk Management, leads the development and execution of credit risk strategies across the organization, with responsibility for originations and underwriting, portfolio analytics, business performance reporting, and risk strategy development. This role oversees the design, implementation, and governance of enterprise-wide credit policies and underwriting standards to ensure sound risk management practices.

Responsibilities

• Lead the design and execution of credit risk strategies across originations and underwriting
• Optimize portfolio performance while balancing growth, loss targets, and risk appetite
• Oversee portfolio monitoring, forecasting, and performance analytics
• Risk Governance & Policy
• Establish and evolve enterprise credit policies, underwriting standards, and governance frameworks
• Ensure compliance with regulatory expectations and internal risk controls
• Partner with Compliance, Audit, and Asset Review to maintain strong risk oversight
• Analytics & Insights
• Deliver data-driven insights on portfolio health, including delinquency trends, loss performance, and profitability
• Lead stress testing and scenario analysis to evaluate portfolio resilience
• Identify emerging risks, performance anomalies, and optimization opportunities
• Advanced Modeling & Data Utilization
• Leverage traditional and alternative data to enhance credit decisioning
• Apply advanced analytical techniques (regression, segmentation, clustering) to improve risk strategies
• Oversee model development, validation, and performance monitoring
• Business Partnership & Leadership
• Advise executive leadership on credit risk exposure and strategic decisions
• P业伙伴关系与领导力
• 与业务领导者合作，将风险策略与增长目标对齐
• 领导提高承销有效性和细分的举措

Requirements

• Bachelor’s degree in Statistics, Economics, Data Analytics, Mathematics, or related field
• 6+ years of experience in credit risk, consumer finance, or analytics
• Strong experience with data analysis and modeling (SAS, R, Python, SQL)
• Proven ability to translate complex analytics into business insights

Preferred Qualifications

• Experience in consumer lending or financial services
• Background in marketing analytics or risk model development
• Experience leading enterprise-level credit strategies

Key Strengths

• Strategic thinker with strong business acumen
• Exceptional communication skills (translating analytics → executive insights)
• Strong analytical and problem-solving capabilities
• Ability to operate in a fast-paced, data-driven environment
• Collaborative and influential leadership style