Director - Consumer Credit Risk Job at Barclays (Noida)

Vice President or Senior Director, Credit Risk

KOHO is seeking an exceptional leader in Credit Risk who combines strategic visi...

Location

Canada

Salary:

225000.00 - 325000.00 CAD / Year

KOHO

Expiration Date

Until further notice

Requirements

15+ years of experience in credit risk, including 7+ years in a leadership role
Extensive expertise in consumer credit risk across the lifecycle—preferably in fintech, challenger banks, or alternative lending environments
Proven track record building credit risk functions through high growth phases
Experience managing managers and directors across modeling, strategy, and risk analytics
Expert knowledge of credit data, scoring systems, and risk governance frameworks
Proven track record influencing senior stakeholders and working cross-functionally
The ability to communicate complex credit risk concepts to diverse audiences
Hands-on experience with risk infrastructure, decision engines, and reporting tools
Excellent written and verbal communication skills with the ability to present to the Board and executive leadership
Passion for developing inclusive teams and mentoring talent

Job Responsibility

Architect and execute KOHO’s credit risk strategy across all lending products
Build and scale teams, managing multiple levels of talent responsible for credit risk modeling, strategy, reporting, and governance
Design and implement credit policies, underwriting guidelines, and credit lifecycle strategies (origination, limit management, collections, and recovery)
Define and monitor key credit risk metrics, portfolio trends, and early warning indicators
Drive data-driven decision-making in product development, pricing, and growth initiatives
Lead credit risk governance and deliver strategic insights to internal and external stakeholders including the Board, risk committees, and investors
Partner with Finance on portfolio forecasting and debt facility management
Lead regulatory examinations and maintain relationships with regulators on credit risk matters
Ensure audit readiness and regulatory compliance, including IFRS9 reporting and credit loss provisioning
Present to and advise the Board Risk Committee on credit portfolio performance, emerging risks, and strategic initiatives

What we offer

Competitive compensation & equity
Fantastic, Deeply Engaged Team
Generous vacation + Wellness days + Flex Days + holiday closure
Remote-first environment + coworking support + yearly all hands retreat
Access to coaching & growth programs
Parental top-up & leave policies
Comprehensive health benefits
Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

Fulltime

Senior Director Credit Risk

Join us to build a more rewarding financial future for all Canadians. We’re look...

Location

Canada , Calgary

Salary:

Not provided

Neo Financial

Expiration Date

Until further notice

Requirements

A minimum of 7 years of extensive senior leadership experience in leading and developing consumer credit risk functions at a fast-growing organization, preferably within the tech space
Extensive knowledge of and experience with consumer credit risk management and loss mitigation
Excellent communication skills
ability to develop concise summaries of complex analyses and data appropriate for various levels of consumption ranging from board members to team members across the company
Commercial orientation with P&L understanding of Consumer lending products
A business leader with strong experience building and scaling a risk team
Experience overseeing complex projects through completion
Entrepreneurial DNA - comfortable building a business from the ground up, making decisions in the face of ambiguity (but make data-driven decisions when possible) and dealing with major challenges along the way with poise
Strategic thinker with a strong ‘business sense’
Excellent EQ - managing relationships with a large external network of partners, as well as building and managing an internal team

Job Responsibility

Oversee the strategy and execution of Neo’s one or more of Neo’s consumer credit risk functions in order to effectively enable sound strategies to manage risk and profitability
Identify opportunities to grow our lending businesses, including growth and optimization of existing products, new card launches, and new lending product development
Work closely with Credit Risk and Collections internal counterparties (Products, Tech, Growth, Finance) to ensure that policies and strategies are aligned with Neo’s corporate goals
Develop and oversee the creation of credit risk and lending models, tools, systems, and processes to enable effective and scalable decision-making throughout the company, providing critical risk information and insights to all relevant stakeholders (Board, investors, CEO, senior management team, etc.)
Identify and ensure the development & maintenance of the required operational reporting to ensure tracking of the performance of our credit risk and collections strategies relative to internal targets and external benchmarks
Manage relationships with credit risk counterparts at Neo’s third party funders, cultivating trust and strong working relationships needed for Neo to achieve its growth objectives
Develop and maintain a strong interaction with 2nd and 3rd lines of defense in complying with Neo’s risk appetite
Grow Neo's capabilities in industry leading risk management practices by staying up to date on emerging trends and technologies and adopting them where appropriate
Work with the management team to develop and execute corporate strategy and business plans to ensure that the company attains its short and long-term growth objectives
Provide a risk lens and thought leadership on strategic opportunities to grow and scale the business that balances Neo’s growth objectives with its risk tolerance

What we offer

All team members have a stake in Neo’s success and earn meaningful equity through stock options

Fulltime

New

Private Bank Underwriting & Portfolio Management Director

The Private Bank Underwriting & Portfolio Management Director is the executive r...

Location

United States , Johnston; San Francisco; Boston; Westwood; New York

Salary:

238000.00 - 300000.00 USD / Year

Citizens Bank

Expiration Date

May 31, 2026

Requirements

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related discipline
10+ years of extensive executive-level experience in underwriting, portfolio management, or credit risk management across consumer, commercial, or private banking
Expertise across a broad range of credit types
from standardized consumer lending to highly bespoke commercial and specialty structures
Deep understanding of regulatory frameworks, risk governance, credit policy, and enterprise risk disciplines
People management experience and demonstrated ability to lead and develop teams and influence decisions across a complex, matrixed organization
Strong analytical capabilities, excellent communication skills, and executive presence
Proven track record of balancing business growth with disciplined credit judgment
Experience overseeing quality control, workflow prioritization, and timely completion of credit reviews, risk ratings, covenant monitoring, and annual reviews
Proven success designing or enhancing credit processes, monitoring frameworks, and policy initiatives

Job Responsibility

Sets the strategic direction for underwriting and portfolio management across the Private Bank's full lending suite
Aligns credit analysis and decisioning tools with the Private Bank's credit policy, product procedures, and overall private bank strategy/service objectives
Works closely with Product Directors to ensure credit structures, policies, and portfolio strategies support product competitiveness and client needs
Plays a central role in Private Bank business planning, risk strategy, and strategic growth initiatives
Oversees underwriting quality, credit decisioning, and risk assessment across all consumer, specialty, and commercial lending solutions
Ensures consistency, fairness, and disciplined judgment across underwriting teams and product types
Establishes underwriting standards, due diligence frameworks, and approval protocols that align with regulatory expectations and business objectives
Provides senior level oversight and decision making on complex, bespoke, and high profile credit opportunities
Supports 1st line credit risk with ongoing portfolio monitoring and analytics across all Private Bank lending portfolios
Reviews credit performance, emerging trends, segment dynamics, concentration risk, and potential vulnerabilities

What we offer

comprehensive medical, dental and vision coverage
retirement benefits
maternity/paternity leave
flexible work arrangements
education reimbursement
wellness programs
annual discretionary bonus

Fulltime

Senior Managing Director, Credit Risk and Portfolio Analytics

At OneMain, credit risk isn’t just about managing loss — it’s about enabling res...

Location

United States , Wilmington

Salary:

Not provided

OneMain Financial

Expiration Date

Until further notice

Requirements

15+ years of experience in consumer credit risk, portfolio analytics, or financial services risk leadership
Deep expertise in credit forecasting, CECL, loss modeling, and portfolio performance management
Strong understanding of consumer lending products, underwriting, and risk governance
Exceptional executive communication skills — able to translate analytics into strategic insight
Proven experience leading and developing high‑performing analytical and risk teams
Experience in a publicly traded financial institution or large consumer lender

Job Responsibility

Lead enterprise‑wide credit loss and delinquency forecasting across Personal Loans, Auto Finance, and Credit Cards
Own the CECL loan loss reserve framework, ensuring accuracy, transparency, and compliance with accounting and regulatory standards
Partner closely with Finance and Treasury to embed credit forecasts into capital planning, stress testing, and liquidity strategy
Deliver clear, actionable portfolio insights to senior management and the Board of Directors
Identify emerging risks, shifts in borrower behavior, and performance trends across products, channels, and customer segments
Translate complex credit and economic dynamics into concise executive narratives that drive informed decisions
Monitor macroeconomic conditions, labor markets, and consumer trends to assess portfolio impact and forward‑looking risk
Lead enterprise credit risk oversight, including decision governance, policy adherence, and portfolio monitoring
Maintain strong underwriting, decisioning, and monitoring frameworks
Provide independent challenge to credit strategies, models, and major business initiatives

What we offer

Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
Up to 4% matching 401(k)
Employee Stock Purchase Plan (10% share discount)
Tuition reimbursement
Paid time off (15 days’ vacation per year, prorated based on start date)
Paid sick leave as determined by state or local ordinance (prorated based on start date)
11 Paid holidays (4 floating holidays, prorated based on start date)
Paid volunteer time (3 days per year, prorated based on start date)

Fulltime

Director Private Bank First Line Credit Risk

About Citizens Private Bank: Citizens Private Bank serves high-net-worth clients...

Location

United States , Johnston; Westwood; Boston

Salary:

213000.00 - 260000.00 USD / Year

Citizens Bank

Expiration Date

May 08, 2026

Requirements

10+ years in credit risk management, with significant leadership experience in consumer and commercial lending
Strong knowledge of credit policy, risk analytics, and regulatory requirements
Exceptional analytical, strategic thinking, and communication skills
ability to influence at all levels
Bachelor’s degree required
advanced degree or professional certifications (e.g., CFA, FRM) preferred

Job Responsibility

Lead and Manage: Oversee a team of senior risk managers and analytics professionals, fostering a culture of accountability and collaboration
Risk Governance: Propose, review, and manage credit risk KRIs/KPIs to monitor portfolio health
Analytics & Reporting: Partner with internal analytics teams (ED&A, CPAR) to deliver actionable insights and comprehensive credit risk reporting
Asset Quality Reviews: Organize and lead AQRs for all consumer and commercial products
Policy Oversight: Conduct annual credit policy reviews and attestations
propose policy changes and manage approval processes with 2nd line
Exception & Outlier Management: Build and maintain reporting for loans outside policy and ensure accuracy of exception reporting
Data Integrity: Ensure systemic accuracy in automated credit decisions and maintain data integrity across source systems
Model Development: Collaborate with 2nd line oversight on models, loss frameworks, and associated tools
Cross-Functional Leadership: Coordinate with credit officers, portfolio risk management, internal audit, and regulatory bodies

What we offer

comprehensive medical, dental and vision coverage
retirement benefits
maternity/paternity leave
flexible work arrangements
education reimbursement
wellness programs
opportunity to earn an annual discretionary bonus

Fulltime

!

Director, Portfolio Credit Strategy

This role leads a team of credit risk professionals and statisticians in the des...

Location

United States , Bellevue; Frisco

Salary:

167900.00 - 227100.00 USD / Year

T-Mobile

Expiration Date

Until further notice

Requirements

Bachelor’s degree in business management, accounting, engineering or related field
More than 10 years’ experience required, leading credit risk management in a mid- to large-sized consumer lending or credit servicing business with a track record of delivering superior financial performance
At least 18 years of age
Legally authorized to work in the United States

Job Responsibility

Lead, develop, and mentor a high-performing team of credit risk professionals and statisticians
Direct the design, validation, implementation, and performance monitoring of credit risk strategies and statistical models
Ensure strong governance and disciplined execution of credit strategies and financial decisions
Translate complex data analysis into clear, actionable insights for senior leaders
Improve portfolio asset quality by reinforcing sound credit practices
Develop and oversee key risk indicators (KRIs)
Review and challenge analytical methodologies
Advise senior management on credit risk model development
Partner with internal stakeholders and external agents to align credit risk strategies

What we offer

medical, dental and vision insurance
flexible spending account
401(k)
employee stock grants
employee stock purchase plan
paid time off
up to 12 paid holidays
paid parental and family leave
family building benefits
back-up care

Fulltime

Senior Director, Credit Risk and Analytics

Lead and scale the Credit Risk & Analytics function driving AI/ML-based underwri...

Location

United Kingdom; United States; Canada; Germany; France; Ireland

Salary:

Not provided

Deel

Expiration Date

Until further notice

Requirements

A minimum of 15 years in credit risk management, including leadership roles in consumer and small business lending
Hands-on experience building, validating, deploying AI/ML underwriting or scoring models
Experience leveraging alternative data sets for Consumer and SME lending
Demonstrated success in managing credit risk for new products, markets, and customer segments
Strong leadership, with ability to train non‑technical stakeholders in analytics and risk concepts
Degree in Finance, Economics, Risk Management, Statistics, or related field
Master’s preferred
Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage

Job Responsibility

Build and maintain a credit risk analytics capability to provide timely, actionable insights for portfolio optimisation, loss forecasting, and provision adequacy
Lead iterative development of underwriting and pricing models - from evaluating AI/ML algorithms, sourcing alternative data to production deployment and continuous optimization with cross-functional partners
Identify and integrate non-traditional data sources (e.g., transactional, behavioural) to boost predictive accuracy and credit access for underserved markets
Architect real time monitoring frameworks and automated alerting systems for portfolio health, KRIs, concentration exposure, and collections performance
Ensure proactive risk identification for new products, markets, or customer segments
Design and execute A/B testing frameworks for new underwriting/scoring criteria, pricing, and customer segments
Develop and implement credit risk governance processes, including Credit Committees, actionable reporting and escalation protocols
Ensure models and analytics pipelines are auditable, scalable, deployment-ready, and aligned with best practices
Collaborate with Product, Sales, Operations, Compliance, and Engineering to align underwriting strategy with business objectives and economic levers
Employ predictive analytics to improve collections strategy, focusing on customer outcomes and recovery efficiency

What we offer

Stock grant opportunities dependent on your role, employment status and location
Additional perks and benefits based on your employment status and country
The flexibility of remote work, including optional WeWork access

Fulltime

Director, Credit Risk Management

The Director, Credit Risk Management leads the strategic oversight and delivery ...

Location

United States , Frisco; Overland Park

Salary:

167900.00 - 227100.00 USD / Year

T-Mobile

Expiration Date

Until further notice

Requirements

More than 10 years’ experience leading credit risk management in a mid- to large-sized consumer lending/service business with a track record of delivering superior financial performance
combined experience in financial services and retail with a credit extension program preferred
At least 7 years relevant Product Management experience in an agile software product development environment
Shown success in delivering software with agile scrum methodologies and other commonly used tools
Experience with agile backlog/project management tools
Broad awareness of open source and AWS Cloud technologies
Additional experience in leadership including people management, team building, and conflict resolution
Ability to problem-solve through high-level communication
Bachelor’s degree in Business, Computer Science, IT or equivalent experience required
At least 18 years of age

Job Responsibility

Define and drive the strategic vision for credit, fraud, and collections decision engine capabilities across platforms
Identify and champion cutting-edge technologies, tools, and frameworks to evolve the credit risk management ecosystem and increase decisioning capabilities
Be responsible for development, testing, implementation and monitoring of risk strategies used in fraud, credit and collection decision processes
Collaborate with senior stakeholders across Risk, Strategy, Technology, and Business to align platform capabilities with strategic goals, clearly communicating complex technical matters to non-technical audiences
Build and lead high-performing, diverse technical teams by driving talent development, fostering a growth mindset, and aligning career paths with evolving organizational needs
Collaborate with and provide recommendations to senior management on cutting-edge development solutions, monitoring techniques, and strategies related to the system monitoring
Partner in developing and recommending best practice fraud an credit risk management policies for the company

What we offer

medical, dental and vision insurance
flexible spending account
401(k)
employee stock grants
employee stock purchase plan
paid time off
up to 12 paid holidays
paid parental and family leave
family building benefits
back-up care

Fulltime

Director - Consumer Credit Risk

Barclays

Location:
India , Noida

Category:
Banking

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
March 13, 2026

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