Director, Credit Risk Management & Loss Forecasting

Own and govern the credit loss forecasting methodology for the entire organization, ensuring a unified, consistent approach across business units. Lead the development, oversight, and continuous enhancement of loss forecasting models, scenario analysis, and stress testing while driving R&D initiatives to improve accuracy. Act as a strategic advisor to senior leadership, using loss and risk insights to shape overarching credit risk strategy and risk appetite. Monitor the credit risk health of the entire organization, identifying emerging risks, trends, and loss drivers through ongoing portfolio surveillance and deep dives. Provide consulting oversight of credit risk monitoring frameworks, investigations, and targeted analytical deep dives. Create support materials and deliver training for Business Unit teams, reinforcing consistent application of COE standards and methodologies. Lead the compilation and delivery of enterprise loss forecasts based on the unified COE framework, with Business Units supplying data, reporting, and context. Support multiple engagement levels, ranging from advisory oversight to hands-on end-to-end execution, depending on business needs. Work closely with Risk, Finance, FP&A, Treasury, Collections, and Data teams to ensure a unified, consistent, and well-governed approach to credit risk and loss forecasting across all business units.