Enterprise Reporting and Analytics - Director - Credit Risk & Analytics

Golden 1 Credit Union•Sacramento, CA

2d•$172,900 - $190,000•Hybrid

About The Position

Golden 1 Credit Union is hiring a Director of Analytics and Risk for Consumer Lending in its Enterprise Reporting and Analytics department. This exempt role reports to the VP - Credit Risk and Analytics and is hybrid in Sacramento, California. The position leads enterprise credit risk management, overseeing portfolio performance, risk exposure, credit policy, and lending decisions while balancing risk and returns. It applies data, analytics, and industry expertise to identify emerging risks, strengthen controls, and inform product, risk, pricing, and marketing strategies. The director also leads and develops analytics and risk associates and ensures effective credit-risk procedures and policies across the credit union. The stated annual pay range is $172,900 to $190,000. Golden 1 Credit Union is a member-owned, not-for-profit cooperative guided by the philosophy of “people helping people.” It aims to empower members and uplift communities while supporting a more equitable and financially inclusive California. Its employee rewards approach includes compensation, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion.

Requirements

Bachelor’s degree in a quantitative discipline or equivalent work experience.
10 or more years as a lender or in credit risk analytics or credit administration at a financial institution.
Demonstrated experience performing retail credit risk management functions.
Deep expertise in account originations, pricing and credit line assignment, credit product marketing, account management, or collections strategies.
Hands-on skills using SAS, SQL, Python, or R to manipulate data and draw insights.
Strong project management skills, including prioritizing tasks, managing timelines, and delivering results in a fast-paced environment.

Responsibilities

Understand, evaluate, and direct credit products, underwriting, lending policies, risk profile, portfolio and product concentration risks, and aggregate credit characteristics, including geographic, industry, and risk-rating methodology considerations.
Provide guidance, mentorship, and leadership to analytics and risk associates, fostering a collaborative, engaging, and innovative work environment.
Promote team members’ skill development and growth through coaching, while supporting employee morale and the credit union’s mission, vision, and core values.
Ensure the creation, implementation, and reevaluation of best-practice credit risk procedures and policies throughout the credit union.
Perform risk reviews as needed for member products and services.
Contribute to enhancing loan policies to fulfill credit risk functions and goals.
Monitor and evaluate ongoing performance of custom score (AI) models used in the loan decisioning process.
Maintain understanding of applicable state and federal credit union compliance laws and regulations, including bank secrecy and anti-money-laundering laws appropriate to the position.
Use data and analytics to identify emerging risks, strengthen risk controls, and support lending strategies and decisions.
Collaborate with business leaders to translate credit risk insights into strategies that protect assets, support growth, and maintain a strong risk culture.