Remote Director, Credit Risk Oversight

CardWorks; South Jordan (UT); Hybrid; USD 140,000 - 210,000; Full time

Benefits offered by this job

Competitive pay & bonus target

Benefits package

401(k) plan with match

Disability insurance

Wellness programs

Paid vacation & holidays

Employee engagement programs

Job summary

Merrick Bank, a CardWorks subsidiary, seeks a Director, Credit Risk Oversight to lead second-line risk governance for consumer lending portfolios. You will provide independent evaluations, challenge material credit decisions, and develop risk reporting for senior leadership.

Remote or hybrid work, with onsite expectations as needed. Qualifications include 8+ years in consumer credit risk, a strong background in analytics, and proficiency with SQL/SAS/Python and BI tools.

Qualifications

• Bachelor’s degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline is required.
• Master’s degree (MBA, Economics, Statistics or related field) is preferred.
• Eight (8) years of experience in consumer credit risk management or strategy, with experience in secured lending, consumer loans, indirect lending, or third-party lending programs.
• Experience providing independent review, challenge, or oversight of credit strategies, forecasts, underwriting policies, portfolio management activities, or risk governance processes strongly preferred.

Responsibilities

• Provides independent oversight of consumer lending portfolios through ongoing monitoring of portfolio performance, risk trends, forecast outcomes, and key risk indicators.
• Leads the independent review and challenge of material credit decisions. Evaluates assumptions, methodologies, risk-return tradeoffs, and implementation plans.
• Develops independent credit risk assessments and executive-level oversight reporting. Synthesizes portfolio performance, forecast results, credit decisions, and emerging risks into clear, actionable insights for senior leadership and governance committees.
• Supports development, implementation, and ongoing enhancement of credit risk governance practices, oversight standards, and review and challenge frameworks.

Skills

Credit risk monitoring

Review & challenge

Credit governance

Executive communication

Strategic influence

Credit analytics

SQL / SAS / Python

Power BI

Education

Bachelor’s degree in Business/Finance/Economics

Master’s degree preferred

Tools

SQL

SAS

Python

Power BI

Job description

Merrick Bank, a CardWorks subsidiary, seeks a Director, Credit Risk Oversight to lead second-line risk governance for consumer lending portfolios. You will provide independent evaluations, challenge material credit decisions, and develop risk reporting for senior leadership.

Remote or hybrid work, with onsite expectations as needed. Qualifications include 8+ years in consumer credit risk, a strong background in analytics, and proficiency with SQL/SAS/Python and BI tools.