In this role, you will:

• Provide independent second line credit risk oversight for Consumer Banking deposit products, with a focus on customer acquisition, onboarding strategies, account approval practices, and portfolio performance.

• Lead and develop a team of risk professionals responsible for independent oversight of Consumer Banking deposit products.

• Oversee deposit credit risk exposures, including overdraft strategies, customer eligibility criteria, and account opening risk.
• Evaluate business strategies, growth initiatives, and product enhancements to ensure risks are appropriately identified, assessed, and managed.
• Provide effective oversight of loss forecasts,strategy changes,portfolio trends, key assumptions, and emerging risk indicators.
• Oversee credit risk governance and policy frameworks, ensuring alignment with regulatory expectations and enterprise risk standards.
• Partner across Product, Operations, Fraud, Compliance, Legal, and Business teams to drive sound risk-based decisions and effective risk management practices.
• Provide strategic insights to senior leaders and governance committees regarding the evolving deposit credit risk landscape, emerging risks, risk trends, and portfolio performance.
• Communicate a clear view of the deposit credit risk landscape, including material risks, emerging issues, and portfolio performance.
• Influence senior executives and governance committees through credible challenge, strategic insights, and effective risk communication.
• Deliver thought leadership pertaining to changes in business operations and corresponding impacts to the organizations risk profile.
• Foster a high-performing culture focused on accountability, risk discipline, talent development, and continuous improvement.

Required Qualifications:

• 10+ years of Credit Risk or lending experience or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 4+ years of management or leadership experience

Desired Qualifications:

• Strategic thinker who aligns decisions with business goals.
• Broad understanding ofdepositfraud risks, both internal and external fraudtypes
• Knowledge and experience with end-to-end consumer and small business deposit products throughout both the product management and customer life-cycle
• Ability to manage and prioritize multiple initiatives simultaneously while applying critical thinking in describing multiple risks into a single risk landscape
• Ability to develop and manage business relationships whilst interacting with all levels of an organization
• Strong project management skills; organizational, multi-tasking, and prioritizing skills
• Strong analytical skills with high attention to detail and accuracy
• Strong business and risk acumen
• Experience overseeing models through the model risk management lifecycle
• Knowledge and understanding of ever-evolving regulatory environments and governance processes
• Advanced Microsoft Office skills
• Excellent verbal, written, and interpersonal communication skills
• Ability to work in a fast-paced deadline driven environment while meeting stringent deadlines

Posting Locations:

• 550 S. Tryon Street - Charlotte, North Carolina
• 401 Las Colinas Blvd W Bldg B Irving, Texas

Job Expectations:

• Ability to travel up to 10% of the time
• Preferred location(s) listed above. Relocation assistance is not available for this position
• This position is not eligible for VISA sponsorship

Posting End Date:

28 Aug 2026