Enterprise Reporting and Analytics - VP - Credit Risk and Analytics

Job Title: VP - Credit Risk and Analytics

Status: Exempt

Reports to: SVP - Head of Enterprise Reporting and Analytics

Department: Enterprise Reporting and Analytics

Job Code: 11501

WHO WE ARE:

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of "people helping people." We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE:

You are a strategic credit risk and analytics leader with a proven ability to balance member needs, portfolio performance, and sustainable growth. You leverage data-driven insights, customer segmentation, and advanced risk strategies to optimize credit, fraud, and portfolio outcomes while ensuring financial safety and soundness. Your approach combines strong analytical rigor, regulatory expertise, and cross-functional collaboration to drive profitable growth, enhance the member experience, and deliver measurable business results. As a leader, you build and develop high-performing teams, foster innovation and continuous learning, and partner across the organization to translate complex data into actionable strategies. You excel at aligning risk management with business objectives, enabling sustainable growth while strengthening member financial well-being and organizational performance.

WHAT YOU'LL DO:

• Risk Strategy: * Develop and direct implementation of origination and portfolio strategies to assess, manage and mitigate risk (credit, fraud, retention, etc.) for consumer lending products. Coordinate with Product Management, Operations and Finance teams to develop and implement risk and pricing strategies that deliver appropriate economic returns for Golden 1.
• Customer Segmentation: * Develop overall customer-based strategy and segmentation across products.
• Analytic Framework: * Design and manage risk analytics and reporting to balance risk/return and data-driven decisions for strategic planning. Build out experimental design approaches for learning and ensure Golden 1 data structure supports this direction. Present insights and recommendations to senior management.
• Risk Identification: * Identify risks to the organization via ongoing reporting and surveillance of key metrics and portfolio trends. Ensure risk metrics and risk reporting are appropriate and adequate for risk monitoring.
• Experience Improvement: * Identify opportunities to leverage technology and streamline risk processes, driving automation, efficiency, and improved member experience.
• Industry Monitoring: * Stay updated on industry trends, regulatory changes, and best practices in retail risk management, and direct relevant changes to enhance the organization's risk operations.
• Regulatory Compliance: * Stay abreast of relevant industry regulations and compliance requirements related to retail financial services products. Ensure that product risk is managed in accordance with applicable laws and regulations.
• Team Leadership: * Hire/Manage team to develop best-in-class financial services analytics/risk management capabilities. Provide guidance, mentorship, and leadership to a team of analytics/risk associates, fostering a collaborative, engaging, and innovative work environment. Promote continual learning, professional growth, and development within the team.
• Credit Risk Management Committee: * Participate in CRMC to monitor and discuss market conditions and associated impacts on credit and fraud risk as well as the strategic approaches to manage/mitigate risk.
• Teamwork: * Collaborate with cross-functional teams, such as marketing, finance, operations, and IT, to align around business outcomes and foster effective partnerships to deliver defined outcomes.
• Represent credit union in contacts with business and trade associations, members, and regulatory agencies. Attend civil functions and otherwise promote the credit union’s image.
• Plan, organize, direct and control budgetary activity for direct reporting departments.

QUALIFICATIONS AND PREFERENCES:

• Bachelor's Degree in a quantitative discipline required
• Master's Degree preferred
• 10+ years of analytics and risk management experience with an emphasis on retail lending - origination and portfolio management - across lending products required

WHY JOIN US:

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS:

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union's discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.