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Lead, develop, and manage a team of Partner Credit Risk Managers responsible for second-line oversight of partner credit programs.
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Establish, maintain, and continuously enhance a comprehensive credit risk oversight framework covering the full BaaS partner portfolio.
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Develop and recommend credit risk policies, standards, controls, and risk appetite requirements for partner credit programs.
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Evaluate partner credit models, underwriting strategies, portfolio structures, and program designs, providing approval or recommendations to senior leadership as appropriate.
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Monitor partner portfolio performance, identifying trends, concentrations, emerging risks, deteriorating performance, and appropriate mitigation plans.
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Guide the development and implementation of early warning indicators, portfolio stress scenarios, exposure monitoring, and other forward-looking risk tools.
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Provide independent and credible challenge to partner assumptions, models, forecasts, underwriting approaches, and reported performance.
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Collaborate with fintech partners, program managers, and internal stakeholders to ensure credit practices remain aligned with established risk expectations and appetite.
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Support due diligence and onboarding of new BaaS partners, including comprehensive credit risk and financial assessments.
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Design and implement effective controls for counterparty credit risk management, including ongoing monitoring and escalation standards.
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Lead assessments of partner financial strength and stability, including analysis of financial statements, cash flows, liquidity, capital adequacy, and funding structures.
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Establish counterparty risk ratings, exposure limits, monitoring requirements, and escalation thresholds.
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Identify and escalate risks associated with partner sustainability, operational dependencies, financial condition, and changing market conditions.
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Support compliance with regulatory expectations and third-party risk management requirements, including applicable guidance from banking regulators.
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Engage with senior stakeholders and regulators on credit risk matters, examinations, portfolio performance, and risk management practices.
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Balance business innovation and partner growth opportunities with disciplined credit risk governance and the organization's overall risk appetite.
Requirements
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12+ years of experience in credit risk, lending, risk management, or a related function within a bank or other regulated financial institution.
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5+ years of experience in a second-line-of-defense, independent oversight, or comparable risk governance function.
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Proven experience leading teams and influencing cross-functional stakeholders at senior levels.
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Demonstrated experience working with fintech partners, Banking-as-a-Service platforms, embedded finance models, or comparable partner-based financial services ecosystems.
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Strong expertise across consumer and small business lending portfolios, including underwriting, portfolio management, credit risk frameworks, and governance.
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Deep experience in counterparty credit risk assessment, including financial statement, cash flow, liquidity, capital, and funding analysis.
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Strong analytical capabilities with the ability to transform complex portfolio and financial data into clear, actionable risk insights.
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Familiarity with credit models, stress testing methodologies, portfolio analytics, and relevant data analysis tools.
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Excellent written and verbal communication skills, with the ability to provide effective challenge and influence senior executives and other stakeholders.
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Experience interacting with banking regulators, particularly in connection with BaaS, fintech partnerships, or related examinations, is highly desirable.
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Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
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An advanced degree such as an MBA, MS, or equivalent is preferred.
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Strong judgment and strategic thinking, with the ability to balance innovation, commercial growth, and rigorous risk discipline.
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Willingness and ability to travel as required.
Benefits
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Base salary range of $146,230–$195,217.
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Fully remote work environment.
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Full-time leadership opportunity with significant influence over partner credit risk strategy and governance.
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Opportunity to lead and develop a specialized credit risk team.
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Exposure to innovative Banking-as-a-Service, fintech, and embedded finance business models.
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Three medical plan options, with HSA availability and employer contributions on eligible plans.
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Flexible Spending Accounts for healthcare and dependent care expenses.
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Dental and vision insurance.
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Company-paid basic life insurance, with additional coverage options for employees and dependents.
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Short-term and long-term disability coverage.
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Supplemental benefits, including hospital indemnity, accident insurance, and critical illness coverage.
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401(k) retirement plan with company matching.
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Generous paid vacation and sick leave.
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11 paid holidays annually.
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A collaborative environment focused on professional development, sound judgment, continuous improvement, and responsible innovation.