Director Credit Risk, Consumer
JCW Group, Dallas, TX, United States
JCW is working with a growing and reputable consumer finance firm who are seeking a director of credit risk to lead underwriting strategy, portfolio analytics, and risk governance across its consumer lending products. This role will drive credit performance by developing risk policies, optimizing decisioning frameworks, and partnering with originations, finance, and compliance teams.
Key Responsibilities:
- Lead credit risk strategy, underwriting standards, and portfolio monitoring
- Develop and refine scorecards, segmentation, and decision models
- Oversee loss forecasting, stress testing, and reserve methodologies
- Analyze portfolio trends; recommend actions to improve profitability and risk-adjusted returns
- Partner with data, product, and operations teams to enhance credit performance
- Ensure compliance with regulatory expectations and internal risk governance
Qualifications:
- 8–12+ years in consumer credit risk, lending, or portfolio analytics
- Strong experience with underwriting, credit policy, and performance optimization
- Advanced analytics skills with ML/AI models.
- Experience with subprime or near-prime lending needed.