Job Title:Director - Analytics and Risk - Consumer Lending
Status:Exempt
Reports to: VP - Credit Risk and Analytics
Department: Enterprise Reporting and Analytics
Job Code: 11493
Pay Range: $172,900.00 - $190,000.00 Annually
Location: Hybrid in Sacramento, CA
WHO YOU ARE:You have expertise in areas of the credit lifecycle such as account originations, pricing and credit line assignment, credit product marketing and/or account management or collections strategies. You lead enterprise credit risk management efforts, ensuring effective oversight of portfolio performance, risk exposure, and credit policy with an eye on returns. You leverage data, analytics, and industry expertise to identify emerging risks, strengthen risk controls, and support sound lending decisions around product, risk, pricing, and marketing strategies. You have strong hands-on skills in using SAS, SQL, Python or R to manipulate data to draw insights. You collaborate with business leaders to translate credit risk insights into strategies that protect assets, support growth, and maintain a strong risk culture. You demonstrate strong project management skills, including the ability to prioritize tasks, manage timelines, and deliver results in a fast-paced environment
WHAT YOU'LL DO:- Understand, evaluate and direct Golden 1's credit products, underwriting, related lending policies, risk profile, portfolio and product concentration risks, including geographic, industry, risk rating methodology, and other aggregate credit characteristics.
- Provide guidance, mentorship, and leadership to a team of analytics/risk associates, fostering a collaborative, engaging, and innovative work environment.
- Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision and core values.
- Responsible for ensuring the creation, implementation and reevaluation of best practice credit risk-related procedures and policies throughout the credit union.
- Perform risk reviews as needed for member products and services.
- Contribute to enhancing loan policies as needed to fulfill credit risk functions and goals.
- Monitor and evaluate ongoing performance of custom score (AI) models used in the loan decisioning process.
- Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
QUALIFICIATIONS AND PREFERENCES:- Bachelor's Degree in a quantitative discipline or equivalent work experience required
- 10+ years as a Lender or in Credit Risk Analytics or Credit Administration at a financial institution. Demonstrated experience performing retail credit risk management functions with deep expertise in account originations, pricing and credit line assignment, credit product marketing and/or account management or collections strategies required
Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?EntityID=2&id=2214
