Credit Strategy Director, Home Improvement
Core
Leads credit strategy, pricing, and risk management for Happen Bank's Home Improvement lending segment, balancing growth with disciplined risk-adjusted returns.
Role type
Senior Director, Credit Strategy & Risk
Builds
Unsecured Point of Sale lending products and risk frameworks for marketplace investors and held-for-investment assets
Domain
Consumer Banking / Financial Services / Credit Risk
Deliverable
production ML models
Required skills
Credit risk management, pricing strategy, portfolio analytics, underwriting criteria development, vintage loss forecasting, predictive modeling, SQL, Python, Tableau, regulatory compliance, cross-functional partnership
Preferred skills
Advanced degree in Statistics/Finance/Economics, experience mentoring analytical talent, deep expertise in POS or credit card lending
Technologies
SQL, Python, Tableau, AI/ML tools
Responsibilities
Own credit risk management and pricing strategy; Develop and refine credit policies, underwriting criteria, exposure limits, and pricing models; Drive loan issuance delivering risk-adjusted returns; Lead development of predictive models and grading systems; Implement credit strategy changes with rigorous testing and controls; Build monitoring systems and early warning mechanisms; Direct accurate credit risk reporting for Credit Committee and Board; Coach and mentor junior team members
Seniority
Senior Director, hands-on IC with strategic oversight