Director Credit Risk Management
On-siteSouth, Kentucky, United States
Job Summary
Conduct independent oversight of consumer lending portfolios through ongoing monitoring of performance, risk trends, and key indicators. Lead the independent review and challenge of material credit decisions, providing formal concurrence opinions and escalating concerns regarding inadequate risk understanding or mitigation. Develop executive-level credit risk assessments and reporting that synthesizes portfolio performance and emerging risks for senior leadership and governance committees. Establish standards, practices, and documentation requirements for review and challenge frameworks to ensure consistent risk oversight across the enterprise. Provide leadership, guidance, and mentorship to the Credit Risk Oversight team while building partnerships across first- and second-line functions to influence risk appetite and portfolio strategy.
Required Qualifications
- Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline
- Eight (8) years of experience in consumer credit risk management or strategy
- experience in secured lending
- experience in consumer loans
- experience in indirect lending
- experience in third-party lending programs
- Demonstrated ability to critically evaluate assumptions, methodologies, forecasts, and credit strategies and provide well-supported challenge
- Strong knowledge of credit risk governance practices
- Strong knowledge of second-line risk management principles
- delegated authority structures
- escalation frameworks
- Ability to synthesize complex quantitative and qualitative information into clear, concise, and actionable insights, reports, and recommendations
- Proven ability to influence decision-making and build credibility while maintaining an independent risk perspective
- Strong analytical capabilities with experience identifying early warning indicators
- experience evaluating portfolio trends
- assessing key risk indicators
- forecasting methodologies
- Ability to leverage data and reporting tools to analyze portfolio performance and communicate risk insights
- Responsible for complying with all the Bank's internal control policies and procedures
- Responsible for understanding and complying with all laws and regulations to which the Bank is subject
- Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts
- This position is remote or hybrid
- if hybrid, the expectation is that the employee will work approximately 2-3 days onsite per week
Desired Qualifications
- Master's degree (MBA, Economics, Statistics or related field)
- Experience providing independent review, challenge, or oversight of credit strategies, forecasts, underwriting policies, portfolio management activities, or risk governance processes
- Familiarity with SQL
- Familiarity with SAS
- Familiarity with Python
- Familiarity with Power BI
- comparable analytical tools
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