Director Credit Risk Management

Director of Credit Strategy & Underwriting

We’re partnering with our client to identify a Director of Credit Strategy & Underwriting who will lead the evolution of their consumer credit and underwriting strategy. This is a highly analytical, hands-on leadership role focused on increasing profitable approvals through smarter automated decisioning, risk-based pricing, and streamlined underwriting processes.

What You’ll Do

• Lead and optimize automated credit decisioning, underwriting models, scorecards, and approval strategies.
• Develop risk-based pricing and credit strategies that balance approval growth, credit performance, and profitability.
• Drive greater automation and reduce reliance on manual underwriting and borrower documentation.
• Own consumer credit policies and continuously refine underwriting guidelines.
• Lead and develop the underwriting team while improving workflows, turnaround times, quality, and service levels.
• Analyze portfolio performance across credit tiers, products, and dealers to identify risk and growth opportunities.
• Partner closely with Sales, Finance, Technology, and Operations on credit strategy and business performance.

What We’re Looking For

• Bachelor’s degree in Finance or a related field.
• 5+ years of progressive experience in consumer lending, credit risk, underwriting, or credit strategy.
• Experience building or improving automated credit decision models or rules-based underwriting engines.
• Strong knowledge of consumer credit data, credit scoring, risk segmentation, risk-based pricing, and loan profitability.
• Experience leading underwriting or credit operations teams.
• Strong analytical skills, including SQL, Python, or comparable tools.
• Experience with point-of-sale consumer finance, installment lending, or AI/ML-enabled underwriting is a plus.