Lead the strategy, governance, and execution of Purpose Financial’s credit risk framework across all lending products.
Define, maintain, and execute the company’s credit risk strategy in alignment with business objectives and risk appetite.
Establish and oversee lending policies, underwriting standards, and credit decision frameworks across portfolio segments.
Design and evolve underwriting models, A/B testing decision frameworks, and segmentation strategies.
Lead portfolio forecasting, scenario modeling, and risk-adjusted return analyses in partnership with Product Management team to support executive decision-making.
Monitor portfolio performance, delinquency, loss trends, recoveries, and segment-level risk exposure across all channels and tactics.
Identify emerging risks early and design proactive responses grounded in leading indicators.
Guide the development and enhancement of diagnostic tools to improve portfolio management.
Build strong partnerships with Product, Finance, Channel Operations, Technology, and Compliance.
Translate complex data and risk insights into clear, actionable guidance for executives.
Evaluate new product launches, partnerships, and underwriting strategies from a risk, economics, and unit-economics perspective.
Requirements
Master’s degree in Finance, Economics, Mathematics, Statistics, or a related field.
Advanced degree (M.S. or Ph.D.) in Finance, Economics, Statistics, Mathematics or a related quantitative field.
10+ years of progressive experience in credit risk management, consumer or commercial lending, or portfolio analysis.
Strong knowledge of credit risk models and methodologies, statistical analysis, and experience with risk management platforms and tools.
Exceptional leadership skills with a proven track record of managing and developing high-performing teams in collaborative environments.
Demonstrated experience with regulatory compliance, governance frameworks, and risk management best practices in consumer lending.
Excellent communication skills with the ability to present and articulate complex credit and risk concepts to both technical and non-technical stakeholders.
Benefits
Competitive Wages
Health/Life Benefits
Health Savings Account plus Employer Seed
401(k) Savings Plan with Company Match
Paid Parental Leave
Company Paid Holidays
Paid Time Off including Volunteer Time
Tuition Reimbursement
Business Casual Environment
Rewards & Recognition Program
Employee Assistance Program
Office in downtown Greenville that offers free parking, onsite gym, free snacks/drinks
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