Credit Risk Director - Personal Loans

Lead end-to-end credit risk management for personal (unsecured installment) loans, owning strategy across acquisition and underwriting, credit policy, risk-based pricing, portfolio management, and loss mitigation. Manage and develop a team of credit risk professionals, modernize credit risk methods with segmentation, scoring, and testing frameworks, and translate portfolio objectives into decision rules. Partner across Analytics, Decision Science, Technology, Operations, and Compliance to ensure strategies are executable, monitored, and regulatory-compliant.