Credit Strategy Director, Home Improvement
Core
Leads credit strategy, pricing, and risk management for Happen Bank's unsecured Home Improvement Point of Sale lending segment.
Role type
Senior IC Credit Strategy Director
Builds
Credit policies, underwriting criteria, pricing models, and predictive grading systems for consumer lending.
Domain
Consumer Banking / Unsecured Lending / Point of Sale
Deliverable
production ML models | product features
Required skills
Credit risk management, pricing strategy, portfolio analytics, vintage loss forecasting, SQL, Python, Tableau, regulatory compliance, cross-functional partnership
Preferred skills
Advanced degree in Statistics/Finance/Economics, experience mentoring analytical talent
Technologies
SQL, Python, Tableau, AI/ML models
Responsibilities
Own credit risk management and pricing strategy; Develop and refine credit policies and underwriting criteria; Drive loan issuance for risk-adjusted returns; Lead development of predictive models and grading systems; Implement credit strategy changes with rigorous testing; Build monitoring systems for credit and operational risk; Direct accurate credit risk reporting for committees and regulators; Coach and mentor junior team members.
Seniority
Senior, hands-on IC with mentorship responsibilities