Location: Atlanta, GA
What You'll Do
Splitit is seeking an experienced credit and risk officer to enable the delivery of innovative and reliable credit products and services. This role is responsible for leading the oversight of our consumer lending and merchant installment products, including underwriting, portfolio management, and risk management. To be successful, this role requires a strong background in credit and risk principles, analytical skills, and the ability to collaborate, negotiate and influence across multiple functions while maintaining independence. This role will report to the General Counsel.
Responsibilities:
- Lead the consumer credit and risk oversight function across our consumer lending products and industry segments, including portfolio risk management, evaluation of credit and financial performance.
- Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives.
- Prepare risk management presentations for senior management and the Board of Directors that include analytics on expected portfolio performance and areas of potential risk and/or opportunity.
- Acts as SME to senior stakeholders and /or other team members; can exercise independence of judgment and autonomy.
- Performs other related duties as required.
Who You Are
- 10+ years of experience in financial services and credit risk management, with emphasis on unsecured, state-regulated consumer lending.
- Strong expertise and background in consumer credit risk management, including underwriting, credit limits, pricing models, and portfolio management.
- Experience leading a risk function. This must include an understanding of building and operating risk frameworks that deliver transparent, well-understood risk policies for stakeholders.
- Ability to assess, review, and analyze current credit strategy and exposure limits/thresholds to ensure alignment to company risk appetite. Ensure adherence to changes in the business model and/or regulatory environment.
- A track record as an established leader who is equally strategic as they are tactical, and of the stature to build a peer relationship with stakeholders. This will enable them to build a fully functionalized model for robust and transparent credit and risk leadership.
Diversity and Equality
At Splitit, we understand that we're strongest when we can be different together. Diversity, Equity, and Inclusion are not just about metrics for us. It's about creating space for all individuals who walk through our doors, employee or not, to bring their full selves to the table. We strive to build teams as diverse as our markets and celebrate differences in background and perspective.
