AVP, Portfolio Credit

Jobgether

3d • Remote

About The Position

This role offers the opportunity to lead credit risk management across the full lifecycle of a consumer portfolio, ensuring prudent growth while minimizing financial risk. The AVP, Portfolio Credit will work closely with client teams, leadership, and cross-functional partners to deliver actionable insights, strategic guidance, and data-driven recommendations. The position requires expertise in credit analytics, risk assessment, and portfolio optimization, as well as the ability to influence decisions across multiple stakeholders. You will support portfolio growth strategies, monitor performance metrics, and drive initiatives that balance business objectives with sound credit practices. The role thrives in a collaborative, dynamic environment where analytical rigor, strategic thinking, and clear communication are essential to success. You will also have the opportunity to contribute to key projects and initiatives that shape the organization’s credit strategy.

Requirements

• Bachelor’s degree with 6+ years in consumer or commercial credit/risk, finance, or analytics; or 8+ years in lieu of a degree.
• 3+ years’ experience analyzing large datasets to generate actionable credit insights using SAS, SQL, R, Python, or other analytics tools.
• Strong analytical and quantitative skills with the ability to distill complex information for senior management and clients.
• Experience operating effectively in cross-functional teams and influencing outcomes without direct authority.
• Excellent communication, presentation, and stakeholder engagement skills.
• Familiarity with consumer lending products, credit risk management, and fraud mitigation strategies.
• Advanced experience with SAS/SQL or comparable analytics platforms.
• Ability to manage multiple priorities in a dynamic and evolving environment.

Responsibilities

• Own the full lifecycle of credit risk management for the assigned consumer portfolio, providing strategic oversight and operational guidance.
• Partner with retail clients and internal teams to manage risk while supporting portfolio growth and client satisfaction.
• Prepare and present insights, analytics, and recommendations to leadership and client teams to enable informed decision-making.
• Lead the development and implementation of enhanced credit and fraud risk strategies, leveraging champion/challenger approaches.
• Provide analytics input for promotional and deal pricing activities, ensuring data-driven decision-making.
• Coordinate cross-functional and multi-site resources to deliver accurate reporting, MIS, and performance metrics.
• Set clear guidance on risk appetite and prudent growth across the organization.
• Challenge critical decisions and business processes constructively to maintain portfolio integrity.
• Support special projects and initiatives as needed, contributing to organizational priorities.

Benefits

• Competitive salary with performance-based incentives.
• Flexible work arrangements, including remote options and access to office hubs.
• Comprehensive healthcare, dental, and vision coverage.
• Paid time off, holidays, and leave benefits.
• Opportunities for professional development and career growth.
• Inclusive and supportive work culture with engagement in Employee Resource Groups (ERGs).

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level