Credit Risk Manager
Core
Manage escalated credit decisioning for small business loans up to $500K, setting standards and evolving into originations strategy.
Role type
Senior IC credit risk manager (small business lending)
Builds
Small business loan portfolio (Business Overdraft, Equipment Line, Asset Finance, Term Loan, Trade Account)
Domain
Financial services / Small business lending
Deliverable
production ML models
Required skills
Credit risk principles, Portfolio management, Risk appetite frameworks, Data interpretation, Financial statement analysis, Credit judgment, Scorecard-based decisioning, Probability of Default (PD) metrics, Policy codification, Process improvement
Preferred skills
Small business or commercial lending experience, Automated and digital decisioning familiarity, Excel-based reporting
Technologies
Excel, Scorecard systems, Automated decisioning platforms
Responsibilities
Decide escalated scorecard referrals outside standard rules with DLA up to $500K, Set and document credit standards for at-the-margin cases, Refine originations credit strategy using insights from escalated decisions, Lead transition of credit decisioning from Customer Solutions into SBD, Provide credit input into digital experience design, Track and report on escalation rates and decision outcomes
Seniority
Senior, hands-on IC