Consumer Credit Director

Consumer Credit Director

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• Job Type : Full-Time/Regular
• Date Updated : 01/21/2026
• Years of Experience : Any
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• Salary : $0

The Consumer Credit Director works with the Chief Credit Officer and the Chief Operating Officer to lead the strategy, governance, and performance of the Bank's consumer lending portfolio (e.g., unsecured, cards, auto, HELOC, mortgages). This leader combines deep quantitative and analytical expertise with strong business acumen to optimize growth, profitability, and risk-adjusted returns. The role is accountable, under the CCO, for consumer credit policy, underwriting strategies, portfolio management, loss forecasting, pricing recommendations, early warning/collections strategy, and regulatory compliance, while continuously identifying market trends and competitive dynamics to inform strategy.

This is a senior leadership role with high cross‑functional visibility and C‑suite exposure.

• With the Chief Credit Officer, set the consumer credit strategy aligned with enterprise risk appetite, growth goals, and capital constraints.
• Lead and develop a high-performing team of consumer credit policy, portfolio analytics, underwriting strategy, credit operations, and loss forecasting professionals.
• Translate complex analytics into clear recommendations for executive and board audiences.

• Reporting to the Chief Credit Officer and under the CCO's guidance, assist with consumer credit policies and risk appetite frameworks; ensure discipline and adaptability across cycles.
• Design and optimize underwriting strategies (e.g., scorecard segmentation, cutoffs, overrides, income verification, debt‑to‑income thresholds).
• Oversee and direct portfolio monitoring (originations quality, delinquency/roll rates, loss/flow‑to‑default, line utilization, exposure, EIR, ROE/ROA).
• Recommend pricing analytics to balance growth, competitiveness, and risk‑adjusted returns.
• Implement early warning triggers and credit line management strategies; partner with Collections on cure and loss mitigation.

• Guide development and validation of predictive models (application/behavior scorecards, loss forecasting, response/propensity, attrition).
• Lead allowance/CECL forecasting and scenario analysis; partner with the Accounting Department as needed.
• Interpret macro trends (labor, inflation, rates, housing, auto, consumer leverage) for portfolio impacts.

• Establish a systematic market scanning capability: competitor moves, pricing, credit box shifts, consumer behavior signals, and regulatory developments.
• Convert external signals and internal performance data into actionable strategy (e.g., tighten/loosen credit, channel investments, product features).

• Ensure adherence to regulatory expectations for consumer credit (e.g., fair lending/UDAAP, ECOA/Reg B, FCRA, TILA/Reg Z, SCRA, MLA).
• Maintain strong model risk management (development documentation, validation, monitoring, challenger models).
• Oversee control testing, issue remediation, and executive reporting; partner closely with Analytics and Risk and Compliance.

• Collaborate with cross‑functional partners to optimize end‑to‑end consumer credit performance.
• Work with Analytics and IT to enhance data pipelines and real‑time decisioning.

JOB REQUIREMENTS

• 10+ years of progressive experience in consumer credit risk within banking/financial services.
• Demonstrated quantitative/analytical depth: portfolio analytics, scorecards, loss forecasting, and pricing.
• Proven ability to identify trends and market conditions and translate them into practical credit strategies.
• Strong knowledge of CECL, stress testing, and consumer credit regulatory landscape.
• Excellent communication skills – able to synthesize complex analysis for senior stakeholders and motivate teams.
• Bachelor's degree in a quantitative field (e.g., Statistics, Economics, Finance, Engineering, Mathematics).

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