VP, Credit Solutions & Portfolio Optimization

AmeriCU Credit Union; City of Rome (NY); Hybrid; USD 153,000 - 191,000; Full time

Benefits offered by this job

Bonus eligible

Comprehensive benefits

Job summary

AmeriCU Credit Union in Rome, NY seeks a strategic Vice President, Credit Solutions to lead collections, loss mitigation, asset recovery, and portfolio preservation. You will shape enterprise strategies and oversee consumer, mortgage, and commercial portfolios with a focus on risk management and technology modernization.

The role reports to the Chief Lending Officer, driving analytics, automation, and member-focused solutions while partnering with Lending, Risk, Operations, Digital Services, and

Qualifications

• Significant leadership experience in collections, recovery, credit risk, loss mitigation, lending operations, or related financial services functions.
• Proven success leading organizational transformation, process improvement, and operational excellence initiatives.
• Strong business and financial acumen with a deep understanding of portfolio performance and recovery strategies.
• Experience leveraging technology, automation, data analytics, and digital solutions to improve outcomes.
• Exceptional leadership, coaching, and change management capabilities.
• The ability to balance regulatory compliance, risk management, operational efficiency, and member advocacy.
• Outstanding communication and partnership skills with executive leaders, regulators, auditors, and external partners.

Responsibilities

• Develop and execute enterprise strategies to reduce delinquency, minimize losses, maximize recoveries, and preserve asset quality.
• Lead all aspects of collections, bankruptcy, foreclosure, repossession, legal recovery, and post-charge-off recovery operations.
• Drive digital transformation through automation, analytics, workflow modernization, and AI-enabled member engagement solutions.
• Partner with Lending, Risk, Operations, Digital Services, and Technology teams to improve organizational effectiveness and portfolio performance.
• Establish performance standards and accountability measures for internal teams, legal partners, collection agencies, repossession vendors, and recovery providers.
• Deliver executive-level reporting, forecasting, and business insights to support strategic decision-making.
• Foster a culture of innovation, accountability, continuous improvement, and exceptional member service.

Skills

Executive leadership

Job description

AmeriCU Credit Union in Rome, NY seeks a strategic Vice President, Credit Solutions to lead collections, loss mitigation, asset recovery, and portfolio preservation. You will shape enterprise strategies and oversee consumer, mortgage, and commercial portfolios with a focus on risk management and technology modernization.

The role reports to the Chief Lending Officer, driving analytics, automation, and member-focused solutions while partnering with Lending, Risk, Operations, Digital Services, and