Vice President of Risk

Clicklease • West Valley City, UT

2d

About The Position

The Vice President, Risk owns Clicklease’s enterprise credit risk function, defining risk strategy, governance, and decisioning frameworks that protect portfolio performance while enabling sustainable, risk-adjusted growth. This role is critical in defining and enforcing enterprise credit risk strategy and decisioning frameworks essential for portfolio performance and company growth. The VP will analyze and interpret complex financial and credit data to inform strategic decisions and risk governance. They will lead and manage a multi-layered risk organization, including performance management, hiring, and development. Key responsibilities include communicating risk performance, strategy, and recommendations to executive leadership, lenders, and the Board, and ensuring adherence to regulatory, compliance, and data security requirements across all credit activities. The role also involves utilizing technology platforms and analytical tools to monitor performance and implement risk strategies.

Requirements

• 15+ years of experience in credit risk within consumer, small business, or specialty finance lending
• 5+ years of experience leading managers or senior-level teams
• Experience owning credit strategy, including policy design, implementation, and performance management
• Experience performing credit risk analytics, including loss forecasting and portfolio analysis
• Experience using SQL and either Python or R for data analysis
• Experience working with banking partners, auditors, or regulators on credit risk matters
• Experience leading and scaling teams in a high-growth or complex environment
• Bachelor’s degree in a quantitative field or equivalent practical experience

Nice To Haves

• Experience in indirect lending, dealer-originated finance, or equipment leasing
• Experience with CECL/IFRS 9, stress testing, or capital planning
• Familiarity with fair lending regulations and disparate impact analysis
• Experience with BI tools such as Tableau or Sigma
• Experience managing third-party data or decisioning vendors

Responsibilities

• Own and evolve enterprise credit risk strategy, including risk appetite framework and credit policy across origination, portfolio management, and loss mitigation
• Lead and develop the Credit Risk organization through the Director of Credit Risk, ensuring scalable team structure and performance
• Define and operationalize enterprise credit decisioning strategy across approvals, pricing, and controls (including PD, LGD, CNL forecasting, BAV scoring, and fraud/identity models) in partnership with Data Science and Engineering
• Own portfolio governance, including vintage performance, delinquency trends, loss forecasting, and concentration risk management, with proactive identification and intervention on emerging risks
• Accountable for credit performance and risk representation to banking partners, auditors, and regulators, including covenant reporting and risk communication
• Ensure compliance with fair lending and regulatory requirements, including ECOA, FCRA, and adverse action requirements, with defensible decisioning practices
• Own and scale a test-and-learn program to optimize approval, pricing, and risk outcomes with disciplined measurement and rollout
• Partner with Finance and executive leadership on forecasting, CECL/ECL reserves, stress testing, and capital planning

What This Job Offers

• Job Type: Full-time
• Career Level: Executive