Director, Credit Risk Oversight – Consumer Lending

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Best Egg

SiteLinkedInTodas as Vagas

501 - 1000 funcionários

Fundada em 2014

💸 Finanças

💳 Fintech

👥 B2C

Finance • Fintech • B2C

A Best Egg é uma empresa de empréstimos que oferece uma gama de produtos e serviços financeiros, incluindo empréstimos pessoais, consolidação de dívidas, refinanciamento de cartões de crédito e empréstimos garantidos utilizando a equidade do veículo ou descontos para proprietários de imóveis. A empresa enfatiza o serviço financeiro rápido e sem complicações, com uma plataforma online que permite aos usuários gerenciar suas contas, visualizar ofertas e acessar vários recursos de saúde financeira. A Best Egg visa apoiar os clientes na construção de um futuro financeiro mais brilhante, oferecendo taxas competitivas e termos de empréstimo personalizados. Os empréstimos da Best Egg são facilitados por meio de parcerias com bancos e estão disponíveis em vários montantes, com termos e condições flexíveis.

Descrição

• Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies • Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting • Monitor portfolio performance across originations, vintages, and customer segments • Identify emerging risks, evolving trends, and portfolio concentration opportunities • Evaluate impacts of strategy changes on approval rates, credit quality, and profitability • Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives • Review expansion strategies (e.g., new segments, channels, or products) for risk implications • Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.) • Provide effective challenge on fair lending risk, model bias, and disparate impact considerations • Support regulatory exams, internal audits, and issue remediation • Develop and maintain credit risk reporting, insights, and dashboards • Escalate material risks, control gaps, or model concerns in a timely manner • Provide oversight of new credit strategies, model deployments, and product launches • Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models) • Support ongoing enhancement of credit risk frameworks and controls

🎯 Requisitos

• 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending • Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent oversight functions • Deep understanding of credit risk models and decision strategies • Proven experience analyzing portfolio performance and credit trends • Preferred Experience • Experience in a FinTech and/or regulated banking environment • Exposure to digital lending, alternative data, or advanced analytics/ML models • Strong knowledge of consumer lending regulations, including: ECOA / Regulation B (fair lending), FCRA, UDAAP • Experience in addressing fair lending and model governance risks preferred

🏖️ Benefícios

• Pre-tax and post-tax retirement savings plans with a competitive company matching program • Generous paid time-off plans including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays • Multiple health care plans to choose from, including dental and vision options • Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts • Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs • Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!