Independent Risk Review and Oversight - Retail Services and Global Partnerships Director

• Ensure business operates within their stated risk appetite and in compliance with internal policies, corporate risk standards and regulatory guidance
• Review and provide comprehensive risk assessments of Portfolio Classifications, new Product launches, and Policy exceptions in accordance with their delegation authority
• Provide day to day oversight of credit risk activities across the full customer life cycle & provide effective challenge including opining on the appropriateness of credit policies, testing activities, credit operating systems & NCL forecasting, CECL, Basel and CCAR methodologies
• Perform portfolio deep dives, peer reviews and on the ground support for risk management and reviews
• Engage with regulators and internal oversight teams as part of ongoing monitoring and targeted reviews
• Review and assess portfolio transactions globally

• 11+ years of consumer lending Risk Management experience at a senior level across multiple unsecured lending products
• Experience across the full credit life cycle: acquisition, portfolio, loss forecasting, loan loss reserve, collection strategy, and fraud
• Experience in policy development, strategy development, testing and execution
• Experience conducting portfolio reviews, peer reviews, portfolio audits, and regulatory interactions
• Experience and familiarity with machine learning and big data techniques
• Strategy and transaction approval authority at a Senior Credit Officer, Director, or equivalent level
• Experience developing and delivering Risk Management presentations to executive leadership and regulators
• Undergraduate degree in business, economics, finance, mathematics, statistics, operations research, engineering, or similar quantitative fields
• Strong sense of accountability and ownership with an ability to influence change
• Strong verbal and written communication skills

Master’s degree

• Medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including vacation, sick leave, and paid holidays