Overview
The Director of Credit Risk will be responsible for creating, maintaining, and monitoring credit risk strategies for unsecured installment loans. This role requires strong analytical expertise combined with business knowledge of unsecured loan products and the ability to clearly communicate complex topics. The position involves completing analytical work to determine best-in-class credit strategies, advancing projects through compliance and business review, managing user acceptance testing (UAT), and creatively solving problems to manage risk while maximizing partner and customer experience.
This is an individual contributor role located 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 quality and compliance of credit strategies
- Maintain a holistic view of how partner, product, term, and channel impact expected credit performance
- Support ongoing internal and external audits by maintaining strong documentation
Requirements
- Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business, or related field; advanced degree preferred
- 8+ years of experience in credit analytics, risk management, or a related field
- 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
- Ability to manage competing and complex priorities in fast-paced environments
Compensation & Benefits
- Base pay range: $97,774.00 to $166,216.00
- Final compensation offer may vary based on work 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 various locations while remaining fully integrated with the team through digital collaboration tools and regular communication. The incumbent can work remotely from any approved state listed in the job posting. Occasional travel may be required for in-person meetings. Work location is subject to change based on business needs.
Location
Omaha, NE (remote work possible within approved states)
Note: This employer is an equal opportunity employer and makes employment decisions without regard to status or identity. The organization complies with federal laws regarding the use of marijuana (applicable to all non-California applicants).