Chief Credit Officer

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $210k - $263k / year

⏰ Full Time

🔴 Lead

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Figure

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Figure is transforming the trillion-dollar financial services industry using blockchain technology. In four short years, Figure has unveiled a series of fintech firsts using the Provenance Blockchain for loan origination, equity management, private fund services, banking, and payments sectors - bringing speed, efficiency, and savings to both consumers and institutions. Today, Figure is one of less than a thousand companies considered a unicorn, globally.

📋 Description

• Lead an organization of credit professionals directly accountable for managing risk across a diverse lending portfolio, including Home Equity products. • Set enterprise-wide credit risk strategy across originations, pricing, portfolio management, and collections to drive the best outcomes for the lender and investor. • Chair the Credit Committee and engage directly with the CEO and Board of Directors on all credit-related matters. • Develop and iterate on proprietary loan products, leading risk analysis and consumer iterations to find perfect product/market fit. • Drive automation efforts to compress the funnel from application to final approval, utilizing technology to remove legacy industry inefficiencies. • Act as the primary liaison to regulatory bodies such as the OCC, FRB, and FDIC, ensuring all credit risk matters align with evolving supervisory expectations. • Oversee loss forecasting, financial modeling, and stress testing (CCAR) methodologies to provide senior management with thoughtful analysis of key credit drivers. • Build and manage relationships with investors, managing pricing, hedging, and warehouse functions.

🎯 Requirements

• 15–20+ years of experience in credit risk management and portfolio oversight. • Extensive background in Mortgage and Home Equity credit risk, including LTV/CLTV management and valuation models. • Proven success working outside of a "Big Bank" environment for a portion of your career, thriving in agile, high-growth, or startup settings. • Demonstrated ability to develop a systematic secondary marketing group and manage primary/secondary market inefficiencies. • Advanced understanding of loss forecasting and the conceptualization of investment logic to automate credit decisioning. • Proven track record of managing remediation efforts and maintaining strong relationships with federal regulatory agencies. • Adhere to all company security policies and data handling procedures. • Complete mandatory security awareness training within required timeframes. • Promptly report any suspected security incidents or suspicious activity to the Security team.

🏖️ Benefits

• Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans • Company HSA, FSA, Dependent Care, 401k, and commuter benefits • Employer-funded life and disability insurance coverage • 11 Observed Holidays & PTO plan • Up to 12 weeks paid family leave • Continuing education reimbursement