Director, Credit Risk Oversight – Consumer Lending

Job not on LinkedIn

🕒 April 13

🇺🇸 United States – Remote

💵 $110k - $130k / year

⏰ Full Time

🔴 Lead

👔 Director

👻 Ghost score 20%

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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Best Egg

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2014

💸 Finance

💳 Fintech

👥 B2C

Finance • Fintech • B2C

Best Egg is a lending company that offers a range of financial products and services, including personal loans, debt consolidation, credit card refinancing, and secured loans using vehicle equity or homeowner discounts. The company emphasizes hassle-free and fast financial service, with an online platform that allows users to manage their accounts, view offers, and access various financial health resources. Best Egg aims to support customers in building a brighter financial future by offering competitive rates and personalized loan terms. Best Egg loans are facilitated through partnerships with banks and are available in various amounts, with flexible terms and conditions.

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

• 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!