Enterprise Reporting and Analytics - VP - Credit Risk and Analytics
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 maintaining financial safety and soundness. The role combines analytical rigor, regulatory expertise, and cross-functional collaboration to support profitable growth, improve the member experience, and deliver measurable business results. The VP leads risk strategy and analytics for consumer lending products, develops customer-based strategies and segmentation, and creates risk analytics and reporting frameworks for strategic planning. The role identifies portfolio risks and process improvements, monitors industry and regulatory developments, and ensures product risk is managed in accordance with applicable requirements. It also leads and develops an analytics and risk team, participates in the Credit Risk Management Committee, partners across the organization, represents the credit union with external stakeholders, and directs budgetary activity for reporting departments.
Requirements
- Bachelor's degree in a quantitative discipline.
- At least 10 years of analytics and risk management experience, with an emphasis on retail lending origination and portfolio management across lending products.
Nice To Haves
- Master's degree preferred.
Responsibilities
- Develop and direct implementation of origination and portfolio strategies to assess, manage, and mitigate credit, fraud, retention, and other risks for consumer lending products.
- Coordinate with Product Management, Operations, and Finance to develop and implement risk and pricing strategies that provide appropriate economic returns.
- Develop overall customer-based strategy 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 them.
- 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 support adequate monitoring.
- Identify opportunities to use technology and streamline risk processes through automation and improved efficiency and member experience.
- Monitor industry trends, regulatory changes, and retail risk management best practices, and direct relevant changes to improve risk operations.
- Ensure product risk is managed in accordance with applicable laws and regulations.
- Hire and manage a team; guide, mentor, and develop analytics and risk associates while fostering a collaborative, engaging, innovative, and learning-oriented environment.
- Participate in the Credit Risk Management Committee to monitor market conditions, their effects on credit and fraud risk, and 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 civic functions and promote the credit union's image.
- Plan, organize, direct, and control budgetary activity for directly reporting departments.
Benefits
- Market-competitive and internally equitable total rewards compensation package.
- Comprehensive compensation package.
- Well-being and work-life balance programs.
- Career development and growth.
- Rewards and recognition.
- Commitment to Diversity, Equity and Inclusion.
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What This Job Offers
Job Type
Full-time
Career Level
Executive
