Senior Credit Risk Oversight & Strategy Lead

Jobtailor; Wilmington (DE); On-site; USD 140,000 - 180,000; Full time

Job summary

Jobtailor in Wilmington, Delaware seeks a seasoned Second Line of Defense credit risk leader to independently challenge underwriting, pricing, and portfolio strategies. You will translate data into actionable insights for senior management and governance committees.

You will drive enhancements to risk frameworks, support regulatory examinations, and develop dashboards to monitor performance across products and vintages. Strong SQL and Python skills, plus excellent communication, are required.

Qualifications

• 10+ years in consumer credit risk, underwriting strategy, pricing strategy, or portfolio management oversight.
• Experience with unsecured and secured personal loan products.
• Experience in Second Line of Defense oversight and challenging First Line assumptions.
• Advanced proficiency in SQL and/or Python; ability to manipulate large datasets.

Responsibilities

• Provide independent Second Line of Defense oversight and credible challenge of credit underwriting, approval, pricing, loan amount, applicant verification, portfolio management strategies, and credit policies
• Evaluate proposed credit strategy changes and exceptions with rationale, analysis, and risk considerations
• Assess governance for strategy approval, documentation, implementation, and post-launch monitoring
• Recommend enhancements to frameworks, policies, and limits
• Document and communicate independent assessments to senior management and governance forums
• Support regulatory examinations, internal audits, and remediation related to credit strategy and portfolio performance
• Monitor portfolio performance across products, vintages, risk tiers, and customer segments
• Identify emerging risks and variances from expectations or risk parameters
• Evaluate effects of strategy changes on approvals, volume, and profitability
• Develop independent analyses challenging risk monitoring and conclusions
• Escalate material credit risks and strategy issues
• Develop and maintain credit risk reporting and dashboards for senior committees
• Translate complex credit performance information into actionable conclusions
• Track significant credit risk matters through resolution and closure

Skills

Credit risk management

Underwriting strategy development

Pricing strategy

Portfolio performance monitoring

Data-driven analysis

SQL

Python

Stakeholder management

Communication

Organizational skills

Tools

SQL

Python

Credit Risk Dashboards

Data Analysis Tools

Portfolio Insights

Job description

Jobtailor in Wilmington, Delaware seeks a seasoned Second Line of Defense credit risk leader to independently challenge underwriting, pricing, and portfolio strategies. You will translate data into actionable insights for senior management and governance committees.

You will drive enhancements to risk frameworks, support regulatory examinations, and develop dashboards to monitor performance across products and vintages. Strong SQL and Python skills, plus excellent communication, are required.