Sr. Manager/ Associate Director- Credit Risk Manager / Credit Risk Strategy

Our business value and leadership have been recognized by various market research firms, including Forrester and Gartner.

We are seeking an experienced Credit Risk Strategy Specialist to lead the development and management of credit risk strategies, ensuring alignment with enterprise profitability and risk tolerance. The ideal candidate will have hands-on expertise in consumer credit risk, strategy optimization, and advanced statistical modeling techniques.

• Hands on experience with credit risk/strategies
• Develops, manages, and maintains reporting and oversight of consumer credit risk appetite, tolerance, and thresholds. This includes the awareness of consumer credit strategies and the implications of changes in strategy to the profitability of the enterprise.
• Evaluate credit loss assumptions for benign and stress case scenarios used for strategy development.
• Gathers and analyzes macro-economic data, competitive benchmarking data and determines impacts to ongoing portfolio performance and recommend credit strategy changes as appropriate.
• Uses statistical techniques such as decision trees, regression and other advanced predictive modeling, A/B testing to optimize credit risk.
• Develops, implements, and maintains processes for targeted review of credit strategies across all consumer lending products, including performing a risk assessment on the overall portfolio. Collaborates with credit strategy teams to mitigate any identified credit risk concerns. Reports finding through the appropriate, established governance processes.
• Interacts with business partners, senior management, governance committees, and regulators to present (both orally and written) analytic findings and portfolio-risk ranking processes in a clear, complete, and concise manner.
• Implements and maintains independent credit risk portfolio reporting across all consumer lending products.
• 8+ years of experience in Statistics, Economics, Engineering, quantitative field, equivalent internship, or research experience.

Benefits

Significant career development opportunities exist as the company grows. The position offers a unique opportunity to be part of a small, fast-growing, challenging and entrepreneurial environment, with a high degree of individual responsibility.