Associate Director, Credit Portfolio Management
Qcells North America, San Francisco, CA, United States
Reporting to EnFin’s Head of Credit Risk and Analytics, the Associate Director of Credit Portfolio Management is an enterprise leader responsible for the end‑to‑end consumer credit risk and portfolio management function across EnFin’s loan and lease/PPA platforms. The role provides strategic and operational leadership over credit policy, underwriting strategy, portfolio performance management, and credit risk governance. It manages the design, execution and continuous evolution of EnFin’s consumer credit framework, ensuring that credit risk decisions are analytically rigorous, scalable, compliant, and aligned with the Company’s growth, profitability and capital objectives. The position partners closely with teams across Product, Sales, Operations, Compliance, Finance and Capital Markets to enable performance transparency across the organization.
This position will be based out of one of our offices in Irvine, CA, San Francisco, CA, Santa Clara, CA or Teaneck, NJ. The in‑office schedule is set at the direct manager’s discretion in accordance with company policies and procedures. Remote may be considered in exceptional cases.
Responsibilities Credit Strategy & Underwriting
Manage the implementation of consumer credit risk management policies, standards and procedures across lending and lease/PPA business lines.
Act as a champion for loss mitigation, delinquency management and portfolio stabilization initiatives.
Design, test and implement credit underwriting strategies to drive prudent growth.
Portfolio Performance & Oversight
Analyze portfolio‑level and asset‑level performance to continuously improve underwriting and risk‑management strategies.
Define opportunities to improve recovery performance of defaulted assets.
Reduce delinquency and credit losses on high‑risk loans through detailed account analysis and advanced collection strategies.
Assess delinquency and loss to identify credit and non‑credit patterns.
Enterprise Collaboration
Collaborate closely with Operations and Servicing partners to implement data‑driven strategies aimed at reducing delinquency and losses.
Drive alignment and transparency of credit performance across Sales, Operations, Product, Compliance and Finance.
Report risks, trends and mitigation plans to senior leadership and servicing partners.
Team & Organizational Leadership
Develop and lead a high‑performing team of credit risk, analytics and policy professionals.
Foster a culture of risk awareness, encouraging teams to challenge the status quo.
Serve as a point of escalation and decision making for complex credit situations.
Required Qualifications
Bachelor’s degree in finance, business, engineering or equivalent experience with 8‑10 years of professional experience.
8‑10 years of progressive work experience in consumer risk, portfolio management, underwriting and analytics.
4+ years of experience in solar, renewable energy or specialty finance.
3+ years of people management and team leadership experience.
Strong analytical ability including SQL.
Experience leading and developing a team while being the main point of escalation, assisting with problem‑solving and providing real‑time solutions.
Strong written and verbal communication skills, including the ability to present credit strategy and performance to leadership and external stakeholders.
Ability to work in a fast‑paced, dynamic environment, manage competing priorities and deliver results under tight timelines.
Preferred Qualifications
Experience supporting capital markets, warehouse facilities or investor‑driven credit requirements.
Hanwha Q CELLS America Inc. (“HQCA”) is a Qcells company, one of the world’s largest manufacturers and providers of solar photovoltaic (PV) products and solutions. Headquartered in Irvine, California, HQCA has been rapidly expanding its business in North America through the expansion of products and solutions, including distributed energy solutions, direct‑to‑homeowner solar sales and financing, and EPC services.
Physical, Mental & Environmental Demands To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation.
Mobility
Standing – 20% of time
Sitting – 70% of time
Walking – 10% of time
Strength
Pulling up to 10 pounds
Pushing up to 10 pounds
Carrying up to 10 pounds
Lifting up to 10 pounds
Dexterity
Typing – Frequently
Handling – Frequently
Reaching – Frequently
Agility
Turning – Frequently
Twisting – Frequently
Bending – Occasionally
Crouching – Occasionally
Balancing – Never
Climbing – Never
Crawling – Never
Kneeling – Never
The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications.
This target salary range is for CA positions only and should not be interpreted as an offer of compensation.
You may view your privacy rights by reviewing Qcells' Privacy Policy or by contacting our HR team for a copy.
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This position will be based out of one of our offices in Irvine, CA, San Francisco, CA, Santa Clara, CA or Teaneck, NJ. The in‑office schedule is set at the direct manager’s discretion in accordance with company policies and procedures. Remote may be considered in exceptional cases.
Responsibilities Credit Strategy & Underwriting
Manage the implementation of consumer credit risk management policies, standards and procedures across lending and lease/PPA business lines.
Act as a champion for loss mitigation, delinquency management and portfolio stabilization initiatives.
Design, test and implement credit underwriting strategies to drive prudent growth.
Portfolio Performance & Oversight
Analyze portfolio‑level and asset‑level performance to continuously improve underwriting and risk‑management strategies.
Define opportunities to improve recovery performance of defaulted assets.
Reduce delinquency and credit losses on high‑risk loans through detailed account analysis and advanced collection strategies.
Assess delinquency and loss to identify credit and non‑credit patterns.
Enterprise Collaboration
Collaborate closely with Operations and Servicing partners to implement data‑driven strategies aimed at reducing delinquency and losses.
Drive alignment and transparency of credit performance across Sales, Operations, Product, Compliance and Finance.
Report risks, trends and mitigation plans to senior leadership and servicing partners.
Team & Organizational Leadership
Develop and lead a high‑performing team of credit risk, analytics and policy professionals.
Foster a culture of risk awareness, encouraging teams to challenge the status quo.
Serve as a point of escalation and decision making for complex credit situations.
Required Qualifications
Bachelor’s degree in finance, business, engineering or equivalent experience with 8‑10 years of professional experience.
8‑10 years of progressive work experience in consumer risk, portfolio management, underwriting and analytics.
4+ years of experience in solar, renewable energy or specialty finance.
3+ years of people management and team leadership experience.
Strong analytical ability including SQL.
Experience leading and developing a team while being the main point of escalation, assisting with problem‑solving and providing real‑time solutions.
Strong written and verbal communication skills, including the ability to present credit strategy and performance to leadership and external stakeholders.
Ability to work in a fast‑paced, dynamic environment, manage competing priorities and deliver results under tight timelines.
Preferred Qualifications
Experience supporting capital markets, warehouse facilities or investor‑driven credit requirements.
Hanwha Q CELLS America Inc. (“HQCA”) is a Qcells company, one of the world’s largest manufacturers and providers of solar photovoltaic (PV) products and solutions. Headquartered in Irvine, California, HQCA has been rapidly expanding its business in North America through the expansion of products and solutions, including distributed energy solutions, direct‑to‑homeowner solar sales and financing, and EPC services.
Physical, Mental & Environmental Demands To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation.
Mobility
Standing – 20% of time
Sitting – 70% of time
Walking – 10% of time
Strength
Pulling up to 10 pounds
Pushing up to 10 pounds
Carrying up to 10 pounds
Lifting up to 10 pounds
Dexterity
Typing – Frequently
Handling – Frequently
Reaching – Frequently
Agility
Turning – Frequently
Twisting – Frequently
Bending – Occasionally
Crouching – Occasionally
Balancing – Never
Climbing – Never
Crawling – Never
Kneeling – Never
The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications.
This target salary range is for CA positions only and should not be interpreted as an offer of compensation.
You may view your privacy rights by reviewing Qcells' Privacy Policy or by contacting our HR team for a copy.
#J-18808-Ljbffr