Director, Credit Risk -- Unsecured Consumer Loans, Hybrid On-site, Omaha
FNBO, Omaha, NE, United States
Summary Of The Job
The Director of Credit Risk will be responsible for creating, maintaining, and monitoring the credit risk strategies for Unsecured Installment loans of FNBO. This role requires the combination of excellent analytical expertise with strong business knowledge of unsecured loan products and clear communication of complex topics. Key tasks include completing analytical work to determine best in class credit strategies, moving projects forward through compliance and business review and approval. Additionally, the role involves managing sound UAT testing and creative problem solving for managing risk while maximizing partner and customer experience.
This role is located in Omaha, NE. This role is an individual contributor role.
About This Role The Director, Credit Management – UCL role is a self-starter who has a deep understanding of advanced credit risk concepts, is able to put those concepts into practice, has or develops excellent knowledge of the FNBO data environment, and has a continuous improvement approach to their work, leading on-going change in the bank’s credit risk methodologies.
Key Accountabilities Include
Manage the unsecured loans business within the approved risk appetite
Develop, obtain approval, implement, and manage credit strategies for unsecured installment loan products
Independently evaluate and analyze ongoing performance of portfolio/partners, including understanding of root cause for performance, and effectively manage improvement for underperformance and maximization for high performance
Clear communication of complex analysis and strategy recommendations
Strong collaboration with cross functional stakeholders to move the unsecured installment loan business forward
Work closely with the Product, Technology and Business teams to ensure no issues with quality and or compliance of credit strategies
Have a holistic view of how partner, product, term, and channel impact expected credit performance
Support on-going internal and external audits by maintaining strong documentation
The Ideal Candidate For This Role
Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business or related field; advanced degree preferred
8+ years of experience in credit analytics, risk management, or a related field
3+ years in analytical tools (e.g., SQL, Python)
Demonstrated expertise in understanding and developing credit strategies
Strong knowledge of industry regulations and compliance requirements
Exceptional communication and leadership skills, with the ability to influence stakeholders at all levels
Ability to direct the resolution of highly complex or unusual business problems
Proven track record of sound decision making practices
Ability to manage competing and at time complex priorities – experience in fast paced environments
Compensation Compensation range (base pay): $97,774.00-$166,216.00. This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you’ll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.
Benefits Overview
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here.
For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20260550
Equal Opportunity & Belonging FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC.
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants).
Application Deadline All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
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This role is located in Omaha, NE. This role is an individual contributor role.
About This Role The Director, Credit Management – UCL role is a self-starter who has a deep understanding of advanced credit risk concepts, is able to put those concepts into practice, has or develops excellent knowledge of the FNBO data environment, and has a continuous improvement approach to their work, leading on-going change in the bank’s credit risk methodologies.
Key Accountabilities Include
Manage the unsecured loans business within the approved risk appetite
Develop, obtain approval, implement, and manage credit strategies for unsecured installment loan products
Independently evaluate and analyze ongoing performance of portfolio/partners, including understanding of root cause for performance, and effectively manage improvement for underperformance and maximization for high performance
Clear communication of complex analysis and strategy recommendations
Strong collaboration with cross functional stakeholders to move the unsecured installment loan business forward
Work closely with the Product, Technology and Business teams to ensure no issues with quality and or compliance of credit strategies
Have a holistic view of how partner, product, term, and channel impact expected credit performance
Support on-going internal and external audits by maintaining strong documentation
The Ideal Candidate For This Role
Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business or related field; advanced degree preferred
8+ years of experience in credit analytics, risk management, or a related field
3+ years in analytical tools (e.g., SQL, Python)
Demonstrated expertise in understanding and developing credit strategies
Strong knowledge of industry regulations and compliance requirements
Exceptional communication and leadership skills, with the ability to influence stakeholders at all levels
Ability to direct the resolution of highly complex or unusual business problems
Proven track record of sound decision making practices
Ability to manage competing and at time complex priorities – experience in fast paced environments
Compensation Compensation range (base pay): $97,774.00-$166,216.00. This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you’ll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.
Benefits Overview
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here.
For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20260550
Equal Opportunity & Belonging FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC.
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants).
Application Deadline All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
#J-18808-Ljbffr