Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

About the Role:

• Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies
• Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting
• Monitor portfolio performance across originations, vintages, and customer segments

Responsibilities:

• Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
• Review expansion strategies (e.g., new segments, channels, or products) for risk implications
• Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)

Qualifications:

• 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
• Experience in 2LOD, model risk, validation, or audit , or strong exposure to independent oversight functions
• Deep understanding of credit risk models and decision strategies