Sr Consumer Credit Risk Manager

LendingClub-posted 2 days ago

$156,000 - $180,000/Yr

Full-time • Mid Level

Hybrid • San Francisco, CA

1,001-5,000 employees

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We are looking for a Sr Consumer Credit Risk Manager to join the Consumer Credit Risk Management Team. In this role, you will assist in credit risk management oversight of the consumer lending portfolios, as well as providing independent review of the capital stress testing and credit loss allowance process.

Assist in the development, enhancement and ongoing embedment of preventive & detective control systems for robust early warning and monitoring of loan performance and asset yield across the various consumer lending segments – personal lending, auto-refinance and point-of-sale purchase finance
Provide independent review & credible challenge of credit extension, pricing and collections strategy proposals within the consumer bank
Ensure safe & sound lending in the personal loan, point-of-sale finance and auto refinance business segments
Coordinate credit administration across the Bank including but not limited to credit risk committee meetings and ongoing review & refresh of the Bank’s consumer credit policy, standards, risk appetite and concentration limits
Ensure timely and accurate completion of all Credit Committee, Board and regulatory reporting from a credit risk perspective
Provide leading-edge credit risk identification & mitigation, with forward-looking & actionable insight for management
Provide thought leadership and partner with cross-functional groups to evaluate new product development initiatives
Participate in industry roundtables to keep abreast of industry standards and best practices
Assist in preparation for regulatory exams.
Collaborate with cross-functional partners in large scale change initiatives

6+ years of progressive experience in financial services and credit risk management, with emphasis on unsecured consumer lending
Functional consumer analytics practitioner with strong analytical skills, sound credit judgment, keen understanding of value drivers and domain knowledge in consumer credit risk management
Rigorous analyst, adept synthesizer and very articulate written & verbal communicator
Effective collaborator, negotiator and team player with a versatile interpersonal and influencing style
Operator with keen attention to detail, results-orientation and strategic mindset.
High level of proficiency with SQL, Python & Tableau
Bachelor's degree or higher in quantitative discipline (engineering, finance, economics); or equivalent work experience

medical, dental and vision plans for employees and their families
401(k) match
health and wellness programs
flexible time off policies for salaried employees
up to 16 weeks paid parental leave

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