Home Improvement Financing Risk Manager

Regions Bank•Salt Lake City, UT

6d•$135,304 - $183,910•Onsite

About The Position

The Home Improvement Financing Risk Manager is responsible for overseeing credit, operational, and third‑party risks within the unsecured home improvement lending portfolio. This role evaluates lending performance, monitors partner and contractor risk, and implements strategies to ensure responsible growth and compliance. The manager will analyze trends, identify emerging risks, strengthen controls, and collaborate with Product, Credit, Compliance, and Vendor Management teams to maintain a healthy, scalable third‑party lending program. This position is located on-site in Salt Lake City, Utah.

Requirements

Bachelor's degree
Ten (10) years experience in compliance, quality assurance/control, audit or other related compliance function specific to a line of business
Ability to work independently
Deadline driven
Knowledge of legal and regulatory environment as it relates to compliance in a particular line of business
Organizational skills
Proficiency in Microsoft Office Suite
Strong Communication skills
Time management skills

Nice To Haves

Masters degree
Certified Regulatory Compliance Manager Certification (CRCM)
5–7+ years of experience in consumer lending risk, indirect/third‑party lending, or specialty financing programs.
Background in home improvement financing, contractor networks, or point‑of‑sale lending models.
Experience with third‑party/vendor oversight, including performance monitoring, scorecard development, and risk assessments.
Advanced analytical capability, including experience building dashboards, risk models, segmentation strategies, or early‑warning indicators.
Familiarity with risk frameworks such as ORM, RCSA, control testing, and issue remediation.
Prior credit policy or underwriting strategy experience, especially in unsecured lending environments.
Knowledge of contractor acquisition, dealer management, or channel‑based lending programs.
Experience partnering with Compliance, Legal, and Product teams to implement policy changes, resolve findings, or support audits.
Strong project management skills, including ability to lead risk initiatives, process enhancements, and cross‑functional improvements.

Responsibilities

Overseeing credit, operational, and third‑party risks within the unsecured home improvement lending portfolio.
Evaluating lending performance.
Monitoring partner and contractor risk.
Implementing strategies to ensure responsible growth and compliance.
Analyzing trends and identifying emerging risks.
Strengthening controls.
Collaborating with Product, Credit, Compliance, and Vendor Management teams to maintain a healthy, scalable third‑party lending program.
Directs compliance reviews and provides oversight of legal entities, business units, and processes.
Advises leadership on key business and/or product decisions.
Provides requested information to regulatory agencies and advises management on potential and ongoing compliance issues.
Maintains expert level knowledge of rules and regulations and their impact on products, services and operations for a specific line of business.
Oversees the resolution of complex problems or transactions, where expertise is required to interpret against policies, guidelines or processes.
Oversees a monitoring and testing program to ensure effective compliance with all applicable laws and regulations.
Manages creation and delivery of training to assigned business area to increase compliance awareness.
May supervise day-to-day work of other professional level compliance associates.
May contribute to workflow or process change and redesign, and risk and control identification.