Director, Credit Risk -- Unsecured Consumer Loans, REMOTE or Omaha, NE

Overview

The Director of Credit Risk is responsible for developing, maintaining, and monitoring credit risk strategies for unsecured installment loans. This role combines strong analytical skills with business knowledge of unsecured loan products and requires clear communication of complex topics. The position involves analytical work to determine optimal credit strategies, managing project progress through compliance and business reviews, overseeing user acceptance testing (UAT), and creatively solving problems to manage risk while enhancing partner and customer experience.

This is an individual contributor role based in Omaha, NE.

Responsibilities

• Manage the unsecured loans business within the approved risk appetite.
• Develop, obtain approval for, implement, and manage credit strategies for unsecured installment loan products.
• Independently evaluate and analyze ongoing portfolio and partner performance, identify root causes of performance issues, and manage improvements or maximization efforts.
• Communicate complex analysis and strategy recommendations clearly.
• Collaborate with cross-functional stakeholders to advance the unsecured installment loan business.
• Work closely with Product, Technology, and Business teams to ensure credit strategies meet quality and compliance standards.
• Maintain a holistic understanding of how partner, product, term, and channel impact expected credit performance.
• Support ongoing internal and external audits by maintaining thorough documentation.

Requirements

• Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business, or a related field; advanced degree preferred.
• Minimum of 8 years of experience in credit analytics, risk management, or a related field.
• At least 3 years of experience with analytical tools such as SQL and 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 resolve highly complex or unusual business problems.
• Proven track record of sound decision-making practices.
• Experience managing competing and complex priorities in fast-paced environments.

Compensation & Benefits

• Base salary range: $97,774.00 to $166,216.00.
• Final compensation may vary based on experience, education, and skill level.
• Benefits include:
  • Medical, Dental, and Vision Insurance
  • 401(k) with matching contributions
  • Paid time off programs
  • Health Savings Account (HSA) and Dependent Care options
  • Employee banking services
  • Growth and tuition assistance opportunities
  • Short-term and long-term disability insurance

Work Environment

This role is primarily remote, allowing flexibility to work from any approved state location. Occasional travel may be required for in-person meetings. Work location may change based on business needs. The role includes full integration with the team through digital collaboration tools and regular communication.

Location

Omaha, NE (remote work possible within approved states)

Equal Opportunity

The employer is an equal opportunity employer and makes employment decisions without regard to status or identity. The organization is committed to fostering a workplace culture where employees of all backgrounds feel valued and empowered.

Note: This role follows federal law regarding the use of marijuana for all non-California applicants.

Job Number: R-20260550