Portfolio Credit Risk Strategy and Analytics Director

Huntington National Bank•Columbus, OH

2d•Onsite

About The Position

As the Credit Portfolio Strategy & Analytics Director, you will lead the design, governance, and optimization of the bank’s consumer and commercial credit portfolios. This is a high-impact, strategic role where your insights and decisions directly influence the balance sheet, balancing risk management with profitable growth. You will serve as a trusted advisor to senior leadership, the Credit Risk Committee, and the Board Risk Committee, delivering actionable analytics, forward-looking strategies, and data-driven recommendations that enhance capital efficiency and shareholder value. Your expertise will help navigate evolving risks, including emerging threats such as climate change and market volatility.

Requirements

Bachelor’s degree in a relevant field (e.g., Finance, Economics, Analytics, Engineering).
20+ years of experience in credit portfolio strategy, credit risk, and analytics at a large, regulated financial institution; leadership experience required.
Deep expertise in operationalizing end-to-end credit risk strategies using models, policies, workflows, data analytics, loan pricing, and artificial intelligence to achieve outcomes.
Strong data analytics skills with hands-on expertise in programming languages (e.g., SAS, Python, SQL) and data visualizations software (e.g., Tableau).
Proven expertise across diverse consumer and commercial lending portfolios, with a track record of managing concentration, optimization strategies, and correlated risk.
Deep knowledge of regulatory frameworks, including OCC, Fed, FDIC, Basel III, and CCAR/DFAST.
Demonstrated experience building and leading credit strategy, portfolio analytics, loan pricing, and ROA/ROI frameworks.
Exceptional communication and leadership skills, with the ability to influence C-Suite executives, Board members, and regulators.
Experience shaping long-term corporate strategic plans from a credit risk and portfolio perspective.

Nice To Haves

Experience at a top 10 US bank managing credit policy and strategy.
Experience integrating climate risk into credit strategy and portfolio analytics.
Advanced degree in Finance, Economics, Analytics, or Business; CFA or FRM designation; graduate of a nationally recognized banking school.

Responsibilities

Portfolio Strategy & Management Develop and execute an enterprise-wide credit portfolio strategy across all consumer and commercial lending segments (e.g., mortgage, auto finance, credit card, small business, commercial, specialty lending).
Assess long-term strategic plans from a credit perspective, providing recommendations to ensure alignment with risk appetite, capital objectives, and resilience goals.
Establish and monitor concentration limits across sectors, geographies, and borrower types to proactively manage correlated risk.
Align portfolio composition with strategic goals for profitability, capital efficiency, and long-term resilience, including integrating climate risk exposure.
Lead the design and oversight of the portfolio risk appetite framework in line with evolving regulatory expectations (OCC, Fed, Basel).
Analytics & Insights Direct enterprise credit risk analytics, forecasting, and reporting to inform strategic decisions and regulatory requirements.
Leverage advanced data, analytics, and AI-driven insights to optimize risk-return performance.
Assess portfolio segments to balance profitability with risk appetite and growth opportunities.
Develop and implement ROA and ROI frameworks to evaluate and enhance portfolio performance.
Lead advanced stress testing, scenario analysis, and climate risk modeling to anticipate and mitigate vulnerabilities.
Strategic Initiatives & Due Diligence Lead credit and portfolio analytics efforts supporting due diligence for mergers, acquisitions, and divestitures.
Provide data-driven insights to guide strategic transactions and balance sheet optimization.
Collaborate with Finance, Treasury, and Risk teams to support capital allocation strategies.
Leadership & Influence Serve as a senior advisor to executive leadership and business line leaders on portfolio performance, risk strategy, and growth opportunities.
Act as the primary liaison for regulators, rating agencies, and industry forums on credit portfolio strategy and analytics.
Present portfolio strategies, concentration risks, and emerging risks to the C-Suite and Board-level committees.
Performs other duties as assigned.