VP, Credit Risk & Policy

Role overview

This is a senior leadership opportunity for a VP of Credit Risk & Policy in the United States. The role is being handled by a partner organization that oversees applications and the rest of the hiring process.

In this position, you will guide enterprise-wide credit risk strategy within a mission-oriented financial services setting. The focus is on strengthening lending decisions, improving portfolio performance, and enabling healthy, long-term growth.

You will own credit policy design, risk modeling, underwriting standards, and portfolio oversight while working with executives, committees, regulators, and cross-functional teams. The role requires both strategic direction and practical execution to create credit systems that can scale.

This opportunity is designed for a seasoned credit risk leader who wants to help broaden access to responsible financial products for underserved communities.

Key responsibilities

• Set and drive the organization’s overall credit risk strategy, covering policy, underwriting criteria, approval workflows, risk models, and portfolio tracking methods.
• Manage credit approval practices so lending decisions remain consistent, scalable, and aligned with business objectives and compliance expectations.
• Write, refresh, and roll out credit policies and operating procedures to support consistency and efficient execution across teams.
• Review and improve credit risk technology, including predictive underwriting tools, alternative data approaches, scoring frameworks, fraud prevention controls, and compliance systems.
• Refine underwriting by combining automation, analytics, and expert judgment to improve borrower experience and risk performance.
• Track portfolio quality, asset health, diversification, delinquencies, and broader credit trends, then turn findings into clear recommendations for leadership.
• Make sure credit loss practices such as CECL and charge-off processes meet industry expectations and regulatory standards.
• Put in place strong controls, reporting, and governance structures that improve accuracy in risk assessment and decision-making.
• Work with operations leaders to strengthen servicing outcomes, collections performance, and broader risk mitigation efforts.
• Represent the organization with regulators, auditors, lending partners, and other external stakeholders on credit risk matters.
• Build a strong credit culture through coaching, training, mentoring, and capability development across the team.
• Hire, develop, and retain strong performers while also supporting succession planning and long-term team strength.

Requirements

• A bachelor’s degree in Statistics, Engineering, Mathematics, Finance, or a similar field is required; a master’s degree is an added advantage.
• At least 10 years of combined experience in commercial and consumer credit risk, including a minimum of 5 years leading a small business credit function.
• Strong expertise in credit operations, underwriting, portfolio management, and control systems used in financial services.
• Solid understanding of lending regulations and compliance areas such as Fair Lending and BSA/AML.
• Proven experience managing strategic relationships and advising both internal teams and external partners on credit risk decisions.
• Advanced ability in financial statement analysis, credit scoring, predictive analytics, modeling, and forecasting.
• Experience assessing and внедр implementing risk technology, automated underwriting tools, and data-led decisioning frameworks.
• Demonstrated leadership in building, coaching, and managing high-performing teams.
• Excellent communication, negotiation, planning, and interpersonal skills, with the confidence to influence executive stakeholders.
• Strong analytical judgment, strategic thinking, problem-solving ability, and independence in decision-making.
• Comfort using Microsoft Office and quantitative tools for credit analysis and portfolio management.

Compensation and benefits

The base pay range for this role is USD 159,202 to 220,443 annually, with a 15% yearly bonus target depending on experience and qualifications.

• Flexible remote working arrangement with monthly remote-work reimbursements.
• Employer-paid medical, dental, vision, life, and disability coverage for employees, subject to plan selection.
• 90% employer-paid dependent healthcare coverage, depending on the selected plan.
• Access to Flexible Spending Accounts and optional benefits such as supplemental life insurance, AD&D, and legal plans.
• Tax-deferred and Roth 403(b) retirement savings with employer match.
• Unlimited vacation, paid holidays, floating holidays, sick leave, and paid parental leave.
• The chance to support a mission-driven organization focused on expanding financial access and helping small businesses.
• A collaborative environment that emphasizes inclusion, innovation, and healthy work-life balance.

Application and hiring notes

This job post explains that the hiring partner manages the application review process and all next steps. Applications are assessed through an AI-supported matching workflow, and a shortlist is shared with the employer for final decisions such as interviews and assessments.

The posting also includes a privacy notice stating that applicant data may be processed to evaluate candidacy and shared with the hiring employer under applicable data protection laws, including GDPR. It notes that certain AI tools may assist with reviewing applications and identifying possible inconsistencies, but final hiring decisions are made by humans.

No vacancy count, immediate start date, or fixed notice period was stated in the source.