Vice President, Consumer Credit Risk Roles

Executive Overview:

The Vice President (VP) roles within Consumer Credit Risk are senior-level positions responsible for strategic leadership, oversight, and execution across critical functions related to credit risk data, compliance, operations, and technology. These roles are essential for ensuring the robust management, validation, and continuous improvement of credit risk platforms and processes, aligning with regulatory mandates and business objectives within a complex financial environment.

High-Level Responsibilities:

Strategic Leadership & Management:

• Lead and manage teams responsible for credit risk initiatives, projects, and operations.
• Oversee the end-to-end management of critical processes, from post-implementation validation to ongoing production monitoring and change management.
• Foster a culture of accountability, continuous improvement, and regulatory excellence within teams.

Risk & Control Frameworks:

• Establish, implement, and enhance governance and control frameworks for credit risk platforms and data.
• Proactively identify, assess, and mitigate operational risks, including control breaks and production issues.
• Develop and manage robust monitoring processes to ensure system stability, performance, and data integrity.

Regulatory Compliance & Audit:

• Ensure strict adherence to regulatory requirements, particularly the Fair Credit Reporting Act (FCRA), as well as OCC, CFPB, and Fed regulations.
• Collaborate with legal, compliance, and internal/external audit teams to ensure transparency, maintain audit trails, and address regulatory expectations.

Data Lifecycle Management:

• Oversee the integration, transformation, and accurate utilization of credit risk data, including data from third-party credit bureaus.
• Ensure data quality, accuracy, and timeliness throughout its lifecycle to support sound credit risk decisioning and regulatory reporting.

Stakeholder Engagement & Cross-Functional Collaboration:

• Act as a key liaison and thought partner, engaging with senior leadership and diverse internal stakeholders (Risk, IT, Operations, Compliance, Finance).
• Build and maintain strong relationships with external vendors, credit bureaus, and regulatory bodies.
• Drive consensus and alignment across functions on critical initiatives and strategic priorities.

Innovation & Process Optimization:

• Lead initiatives for continuous improvement and process optimization using methodologies like Lean or Six Sigma.
• Drive innovation in data management, monitoring tools, and technology solutions, including leveraging AI/ML.
• Enhance automation, scalability, and efficiency within the credit risk framework.

High-Level Qualifications:

Extensive Industry Experience:

• Significant years of experience (typically 10 years, with specific roles requiring 5 years in team leadership) in credit risk management, financial services, technology operations, project management, or related highly regulated environments.

Leadership & Team Development:

• Proven track record of leading, mentoring, and developing high-performing teams.
• Demonstrated ability to lead cross-functional initiatives and manage complex projects effectively.

Credit Risk & Regulatory Acumen:

• Deep understanding of credit risk models, decisioning platforms, and regulatory reporting requirements.
• Strong knowledge of regulatory frameworks impacting credit reporting and risk management, including FCRA.

Analytical & Strategic Thinking:

• Exceptional analytical skills to interpret complex data, assess risks, and evaluate business impacts.
• Strong strategic thinking and problem-solving abilities to anticipate challenges and develop robust, long-term solutions.

Data & Technical Proficiency:

• Expertise in data governance, data integration, data transformation, and data quality assurance.
• Proficiency in relevant tools and technologies such as SAS, SQL, and familiarity with modern monitoring, automation, and AI/ML concepts.

Communication & Interpersonal Skills:

• Excellent communication (verbal and written) and presentation skills.
• Strong stakeholder management capabilities, with the ability to influence, negotiate, and drive consensus across diverse groups.

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management:

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.
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