Consumer & Business Banking Credit Execution Director
About The Position
The Consumer and Business Banking Credit Execution Director provides leadership across the development, refinement, and execution of acquisition credit strategies for Consumer and Business Banking portfolios. The role translates business objectives and risk appetite into actionable credit policies, decision strategies, and implementation priorities, strengthening the connection between strategy design and production execution. The leader works across credit strategy, policy, analytics, and implementation as business priorities and organizational needs evolve. The position partners closely with Product, Finance, Marketing, Technology, Operations, Data and Analytics, Compliance, Legal, Model Risk, and other Credit Risk leaders to ensure strategies are analytically sound, operationally executable, well controlled, and aligned with portfolio objectives. It also provides senior leaders with updates and recommendations concerning strategy performance, execution readiness, key risks, tradeoffs, and required decisions.
Requirements
- Bachelor’s degree in Business, Finance, Economics, Statistics, Mathematics, Data Science, or a related discipline; an equivalent combination of education and relevant experience may be considered.
- 7+ years of progressive experience in consumer and/or small business lending, credit risk strategy, credit policy, underwriting, portfolio management, or a related discipline.
- Demonstrated ability to develop and execute credit strategies that balance risk, growth, profitability, customer, and operational considerations.
- Experience translating strategic intent into executable policies, decision requirements, implementation plans, and measurable business outcomes.
- Strong understanding of credit decisioning, underwriting, portfolio performance, strategy implementation, and the associated control and governance environment.
- Experience leading teams and influencing cross-functional partners through complex priorities, organizational change, and delivery dependencies.
- Strong analytical judgment and executive communication skills, including the ability to frame issues, tradeoffs, recommendations, and decisions clearly for senior leaders.
- Working knowledge of applicable consumer and small business lending regulations and internal risk management standards.
Nice To Haves
- Advanced degree such as an MBA or a Master’s in Finance, Economics, Analytics, or a related field.
- Experience across multiple Consumer and Small Business products and credit lifecycle activities.
- Experience developing and executing acquisition credit strategies, underwriting approaches, or comparable front-end credit decisioning capabilities.
- Experience supporting credit strategy implementation, decisioning delivery, or related capability enhancement initiatives.
- Experience supporting governance, audit, model risk, compliance, or regulatory review activities related to credit strategy and execution.
Responsibilities
- Lead the development and execution of credit strategies across Consumer and Small Business portfolios, balancing growth, risk, customer experience, and return objectives.
- Translate risk appetite and business priorities into clear credit policies, decision strategies, requirements, and execution roadmaps.
- Provide leadership across acquisition credit strategy, policy, and execution activities as business priorities and portfolio needs evolve.
- Support effective prioritization and coordination across the capabilities responsible for implementing and delivering credit strategies.
- Ensure connectivity from strategy design through requirements, testing, implementation, production validation, and ongoing performance monitoring.
- Establish governance, decision rights, controls, and performance measures for credit strategy execution, including transparent prioritization and escalation of risks and dependencies.
- Evaluate portfolio performance, emerging risks, market conditions, and business opportunities to recommend timely adjustments to credit strategies and policies.
- Partner with cross-functional stakeholders to align credit strategy with product plans, financial objectives, technology capacity, operational readiness, and regulatory expectations.
- Strengthen execution capabilities through improved processes, tools, analytics, talent development, and disciplined change management.
- Provide senior leadership with clear, concise updates and recommendations on strategy performance, execution readiness, key risks, tradeoffs, and required decisions.
Benefits
- Competitive pay
- Comprehensive medical coverage
- Dental coverage
- Vision coverage
- Retirement benefits
- Maternity/paternity leave
- Flexible work arrangements
- Education reimbursement
- Wellness programs
- Paid time off policy exceeding mandatory paid sick or paid time-away requirements in every local and state jurisdiction in the United States
- Opportunity to earn an annual discretionary bonus
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What This Job Offers
Job Type
Full-time
Career Level
Director
