Director of Partner Credit Risk Management – Oversight

🕒 June 9

🇺🇸 United States – Remote

💵 $146.2k - $195.2k / year

⏰ Full Time

🔴 Lead

🔒 Insurance

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 41%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Coastal

WebsiteLinkedInAll Job Openings

201 - 500 employees

🏦 Banking

💳 Fintech

🤝 B2B

Banking • Fintech • B2B

Coastal is a community bank (Coastal Community Bank) serving the North Puget Sound region that provides personal and business banking products and services. It operates local branches and ATMs while offering checking and savings accounts, home and business loans, treasury management, credit card processing, and online/mobile banking features (including mobile deposit, Zelle, and a mobile app). Coastal also supports embedded finance and fintech partnerships through technology offerings like ZSuite and a CCBX division, emphasizes fraud/security, compliance, and FDIC-insured deposit services (including IntraFi), and markets both consumer and B2B financial solutions.

📋 Description

• Lead, develop, and manage a team of Partner Credit Risk Managers overseeing partner credit programs • Establish and maintain a comprehensive second line oversight framework for all BaaS partner credit programs • Recommend and enforce credit risk policies and risk appetite across partner credit programs • Evaluate and approve, or recommend to Leadership, partner credit models, underwriting strategies, and program structures • Monitor partner portfolio performance, trends, concentrations, emerging risks, and action plans • Guide development of early warning indicators and portfolio stress scenarios • Collaborate with fintech partners, program managers, and internal stakeholders • Ensure compliance with regulatory expectations related to third-party risk, including FDIC and Federal Reserve guidance • Support due diligence and onboarding of new BaaS partners, including credit assessments • Provide credible challenge to partner assumptions, models, and performance forecasts • Design and implement controls for counterparty credit risk management and ongoing partner monitoring • Evaluate the financial strength and stability of BaaS partners, including financial statements, cash flow, liquidity, capital adequacy, and funding models • Establish counterparty risk ratings, exposure limits, and ongoing monitoring standards • Identify and escalate risks related to partner sustainability, operational dependency, and market conditions

🎯 Requirements

• 12+ years of experience in credit risk, lending, or risk management within a bank or financial institution • 5+ years of experience in a second line of defense or oversight function • Proven leadership experience managing teams and cross-functional collaboration • Demonstrated experience working with fintech partners and BaaS platforms • Strong experience with consumer and small business lending portfolios • Expertise in counterparty risk assessment, including financial statement analysis • Deep understanding of credit risk frameworks, underwriting, portfolio management, and risk governance • Strong analytical skills with ability to translate data into actionable insights • Excellent communication skills with ability to influence senior stakeholders • Ability to travel • Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field • Experience in BaaS, fintech partnerships, or embedded finance models • Familiarity with credit models, stress testing, and data analytics tools • Experience interfacing with regulators on BaaS or fintech-related examinations • Ability to balance innovation and growth with strong risk discipline • Advanced degree (MBA, MS, or similar) preferred

🏖️ Benefits

• Medical Coverage: Choose from three competitive medical plans • Health Savings Account (HSA) with tax advantages and employer contributions • Flexible Spending Accounts (FSA) for healthcare and dependent care expenses • Dental and Vision Insurance • Company-paid basic life insurance, with options to purchase additional coverage • Long-Term /Short-Term Disability (LTD) • Supplemental Benefits including Hospital Indemnity, Accident Insurance, and Critical Illness coverage • 401(k) Retirement Plan with company matching • Generous vacation and sick leave policies • 11 paid holidays throughout the year