VP - Business Services - Analytics and Risk

VP - Business Services - Analytics and Risk Job Description Job Title: VP - Business Services - Analytics and Risk Status: Exempt Reports to: SVP - Head of Enterprise Reporting and Analytics Department: Analytics and Risk Job Code: 11500 Pay Range: $180,000.00 - $220,000.00 Annually Location: Hybrid WHO YOU ARE You lead enterprise-level business services risk and analytics strategy by developing and executing data-driven approaches that balance risk and return, optimize portfolio performance, and enable sustainable growth across lending and deposit products. You are a strategic risk and analytics leader who leverages advanced data, segmentation, and performance insights to design, implement, and continuously refine credit, pricing, and risk strategies that protect the organization while delivering financial value and strong member outcomes. You partner cross-functionally with Product, Finance, Operations, and senior leadership to translate portfolio performance, risk trends, and market dynamics into actionable strategies, ensuring aligned execution, regulatory compliance, and high-impact decision-making across the organization. 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 business lending and deposit 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 Master’s Degree preferred. 10+ years of analytics and risk management experience with an emphasis on business lending. Required. DISCLAIMER 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, qualifications and 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. #J-18808-Ljbffr