Role PurposeRole Summary:The Vice President, Risk owns Clicklease's enterprise credit risk function, defining risk strategy, governance, and decisioning frameworks that protect portfolio performance while enabling sustainable, risk-adjusted growth.
Key Responsibilities- Own and evolve enterprise credit risk strategy, including risk appetite framework and credit policy across origination, portfolio management, and loss mitigation
- Lead and develop the Credit Risk organization through the Director of Credit Risk, ensuring scalable team structure and performance
- Define and operationalize enterprise credit decisioning strategy across approvals, pricing, and controls (including PD, LGD, CNL forecasting, BAV scoring, and fraud/identity models) in partnership with Data Science and Engineering
- Own portfolio governance, including vintage performance, delinquency trends, loss forecasting, and concentration risk management, with proactive identification and intervention on emerging risks
- Accountable for credit performance and risk representation to banking partners, auditors, and regulators, including covenant reporting and risk communication
- Ensure compliance with fair lending and regulatory requirements, including ECOA, FCRA, and adverse action requirements, with defensible decisioning practices
- Own and scale a test-and-learn program to optimize approval, pricing, and risk outcomes with disciplined measurement and rollout
- Partner with Finance and executive leadership on forecasting, CECL/ECL reserves, stress testing, and capital planning
Essential Functions- Define and enforce enterprise credit risk strategy and decisioning frameworks critical to portfolio performance and company growth
- Analyze and interpret complex financial and credit data to inform strategic decisions and risk governance
- Lead and manage a multi-layered risk organization, including performance management, hiring, and development
- Communicate risk performance, strategy, and recommendations to executive leadership, lenders, and the Board
- Ensure adherence to regulatory, compliance, and data security requirements across all credit activities
- Utilize technology platforms and analytical tools to monitor performance and implement risk strategies
Minimum Requirements- 15+ years of experience in credit risk within consumer, small business, or specialty finance lending
- 5+ years of experience leading managers or senior-level teams
- Experience owning credit strategy, including policy design, implementation, and performance management
- Experience performing credit risk analytics, including loss forecasting and portfolio analysis
- Experience using SQL and either Python or R for data analysis
- Experience working with banking partners, auditors, or regulators on credit risk matters
- Experience leading and scaling teams in a high-growth or complex environment
- Bachelor's degree in a quantitative field or equivalent practical experience
Preferred Qualifications- Experience in indirect lending, dealer-originated finance, or equipment leasing
- Experience with CECL/IFRS 9, stress testing, or capital planning
- Familiarity with fair lending regulations and disparate impact analysis
- Experience with BI tools such as Tableau or Sigma
- Experience managing third-party data or decisioning vendors
Performance & SuccessKey Performance Indicators (KPIs)- Portfolio performance maintained within defined risk appetite (loss, delinquency, and vintage targets) while enabling sustainable growth
- Risk-adjusted growth improvements through optimized approval rates, pricing, and yield without exceeding defined loss thresholds
- Forecast accuracy across loss, delinquency, and portfolio performance metrics
- Clean audit, regulatory, and covenant outcomes with no material findings
- Scalable team structure with reduced single points of failure
What Success Looks Like (First 6 Months)- Established ownership of risk strategy, governance, and portfolio oversight with executive alignment
- Delivered measurable improvements in credit decisioning, approval strategy, or portfolio insights
- Implemented clear reporting and visibility into portfolio health, forecast accuracy, and emerging risks
- Strengthened team structure, documentation, and cross-functional alignment
- Delivered measurable improvements in credit decisioning or portfolio insights
- Implemented clear reporting and visibility into portfolio health and emerging risks
- Strengthened team structure, documentation, and cross-functional alignment
Skills & CompetenciesCore Functional Competencies:- Credit risk strategy and policy design
- Portfolio analytics and forecasting
- Regulatory compliance and governance
- Executive communication and stakeholder management
- Organizational leadership and team development
Key Technical Skills:- SQL
- Python or R
- Credit risk modeling and forecasting
- BI and reporting tools
