Director, Credit Risk – Unsecured Consumer Loans

🕒 5 days ago

🌵 Arizona, Connecticut, +3 more states – Remote

🌵 Arizona – Remote 🦌 Connecticut – Remote 🌾 Nebraska – Remote 🏖️ New Jersey – Remote 🧀 Wisconsin – Remote

💵 $97.8k - $166.2k / year

⏰ Full Time

🔴 Lead

👔 Director

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FNBO

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1857

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

FNBO is a financial institution that provides a wide array of banking services including personal banking, small business banking, commercial banking, and wealth management solutions. With over 165 years of experience, FNBO is dedicated to serving its customers through branch, mobile, and online platforms, offering products such as checking accounts, loans, mortgages, credit cards, and investment planning. The bank prides itself on excellent customer service and a strong commitment to community support.

📋 Description

• Responsible for creating, maintaining, and monitoring the credit risk strategies for Unsecured Installment loans of FNBO • Completing analytical work to determine best in class credit strategies • Moving projects forward through compliance and business review and approval • Managing sound UAT testing and creative problem solving for managing risk while maximizing partner and customer experience • Managing the unsecured loans business within the approved risk appetite • Developing, obtaining approval, implementing, and managing credit strategies for unsecured installment loan products • Independently evaluating and analyzing ongoing performance of portfolio/partners • Understanding of root cause for performance, and effectively managing improvement for underperformance and maximization for high performance • Clear communication of complex analysis and strategy recommendations • Strong collaboration with cross functional stakeholders to move the unsecured installment loan business forward • Working closely with the Product, Technology and Business teams to ensure no issues with quality and or compliance of credit strategies • Supporting on-going internal and external audits by maintaining strong documentation

🎯 Requirements

• Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business or related field; advanced degree preferred • 8+ years of experience in credit analytics, risk management, or a related field • 3+ years in analytical tools (e.g., SQL, Python) • Demonstrated expertise in understanding and developing credit strategies • Strong knowledge of industry regulations and compliance requirements • Exceptional communication and leadership skills, with the ability to influence stakeholders at all levels. • Ability to direct the resolution of highly complex or unusual business problems • Proven track record of sound decision making practices • Ability to manage competing and at time complex priorities – experience in fast paced environments

🏖️ Benefits

• Medical, Dental, Vision Insurance • 401k, With Matching Contributions • Time Off Programs • Health Savings Account (HSA)/Dependent Care • Employee Banking • Growth Opportunities • Tuition Assistance • Short-Term/Long-Term Disability Insurance