Enterprise Reporting and Analytics - VP - Credit Risk and Analytics

Golden 1 Credit Union•Sacramento, CA

About The Position

Golden 1 Credit Union is seeking a strategic credit risk and analytics leader to balance member needs, portfolio performance, and sustainable growth. The VP will use data-driven insights, customer segmentation, and advanced risk strategies to optimize credit, fraud, and portfolio outcomes while ensuring financial safety and soundness. The role calls for analytical rigor, regulatory expertise, cross-functional collaboration, and the ability to translate complex data into actionable strategies that support profitable growth, improve the member experience, and strengthen organizational performance. The VP leads credit risk strategy and analytics for consumer lending products, including origination and portfolio management. The position develops risk and pricing strategies with business partners, builds risk analytics and reporting frameworks, monitors portfolio trends, and identifies opportunities to automate and improve risk processes. It also leads and develops an analytics and risk management team, participates in the Credit Risk Management Committee, and represents the credit union in relevant business, trade, member, and regulatory settings.

Requirements

Bachelor's degree in a quantitative discipline.
At least 10 years of analytics and risk management experience, emphasizing retail lending origination and portfolio management across lending products.

Nice To Haves

Master's degree.

Responsibilities

Develop and direct implementation of origination and portfolio strategies to assess, manage, and mitigate risks, including credit, fraud, and retention risks, for consumer lending products.
Coordinate with Product Management, Operations, and Finance to develop and implement risk and pricing strategies that deliver appropriate economic returns.
Develop customer-based strategies and segmentation across products.
Design and manage risk analytics and reporting to balance risk and return and support data-driven strategic planning.
Build experimental design approaches for learning and ensure the credit union's data structure supports this direction.
Present insights and recommendations to senior management.
Identify organizational risks through ongoing reporting and surveillance of key metrics and portfolio trends; ensure risk metrics and reporting are adequate for monitoring.
Identify opportunities to use technology and streamline risk processes to drive automation, efficiency, and an improved member experience.
Monitor industry trends, regulatory changes, and retail risk management practices, and direct relevant changes to enhance risk operations.
Ensure product risk is managed in accordance with applicable laws and regulations.
Hire and manage a team to develop financial services analytics and risk management capabilities; provide guidance, mentorship, and leadership, and promote collaboration, innovation, learning, and professional development.
Participate in the Credit Risk Management Committee to monitor market conditions and their impacts on credit and fraud risk, and discuss strategies to manage or mitigate risk.
Collaborate with marketing, finance, operations, IT, and other cross-functional teams to align on business outcomes and deliver defined results.
Represent the credit union in contacts with business and trade associations, members, and regulatory agencies; attend civil functions and promote the credit union's image.
Plan, organize, direct, and control budgetary activity for directly reporting departments.