Director, Credit Risk Oversight – Consumer Lending

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Best Egg

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501 - 1000 Mitarbeiter

Gegründet 2014

💸 Finanzen

💳 Fintech

👥 B2C

Finance • Fintech • B2C

Best Egg ist ein Kreditunternehmen, das eine Reihe von Finanzprodukten und -dienstleistungen anbietet, darunter Privatkredite, Schuldenkonsolidierung, Kreditkartenrefinanzierung und besicherte Kredite unter Verwendung von Fahrzeugguthaben oder Rabatten für Hauseigentümer. Das Unternehmen legt Wert auf eine unkomplizierte und schnelle Finanzdienstleistung und bietet eine Online-Plattform, die es Nutzern ermöglicht, ihre Konten zu verwalten, Angebote einzusehen und verschiedene Ressourcen zur finanziellen Gesundheit zu nutzen. Best Egg hat das Ziel, Kunden zu unterstützen, eine bessere finanzielle Zukunft aufzubauen, indem es wettbewerbsfähige Zinsen und personalisierte Kreditkonditionen bietet. Best Egg-Kredite werden durch Partnerschaften mit Banken ermöglicht und sind in verschiedenen Beträgen mit flexiblen Konditionen verfügbar.

Beschreibung

• 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

🎯 Anforderungen

• 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

🏖️ Vorteile

• 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!