credit portfolio manager

U.S. Bank

<div>At U.S. Bank, we&rsquo;re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at&mdash;all from Day One.<h2 class="jobSectionHeader">
Job Description</h2><div>
Partners with assigned Relationship Manager(s) to successfully manage ICG Healthcare credit account relationships. These accounts are across the for-profit Healthcare industry, including physician practices, for-profit hospitals, medical device, pharmaceutical, life sciences, healthcare technology, health insurance, and other healthcare related companies. Grows revenue as directed by senior management by successfully closing new business relationships and retaining and expanding relationships with existing customers. Responsibilities include: underwriting all types of credit account exposure, managing an assigned credit portfolio, successfully closing new business relationships and expanding existing relationships, managing credit risk and responding to prospect or customer credit questions and making independent calls on assigned portfolio of relationships. Secondarily, provides customer service, participates in joint sales calls with Relationship Manager(s) and identifies customer needs.</div><div>
Basic Qualifications 
<ul><li>Master's degree, or equivalent work experience</li><li>10 or more years of commercial banking experience</li></ul> 
Preferred Skills/Experience 
<ul><li>Extensive knowledge of commercial lending policy, all applicable laws and regulations, credit quality standards, company and business line policies and procedures</li><li>Strong relationship management and business development abilities, with thorough knowledge of credit products</li><li>Strong analytical and problem-solving skills</li><li>Ability to work effectively with individuals and groups across the company to manage customer relationships</li><li>Well-developed written communication and verbal presentation skills</li></ul></div>
If there&rsquo;s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members&rsquo; whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:<ul><li>
Healthcare (medical, dental, vision)</li><li>
Basic term and optional term life insurance</li><li>
Short-term and long-term disability</li><li>
Pregnancy disability and parental leave</li><li>
401(k) and employer-funded retirement plan</li><li>
Paid vacation (from two to five weeks depending on salary grade and tenure)</li><li>
Up to 11 paid holiday opportunities</li><li>
Adoption assistance</li><li>
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law</li></ul>
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $148,495.00 - $174,700.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.</div>

Credit Portfolio Manager, For-Profit Healthcare, Institutional Client Group

HarbourVest

<div>Job Description Summary
For over forty years, HarbourVest has been home to a committed team of professionals with an entrepreneurial spirit and a desire to deliver impactful solutions to our clients and investing partners. As our global firm grows, we continue to add individuals who seek a collaborative, open-door culture that values diversity and innovative thinking.
In our collegial environment that&rsquo;s marked by low turnover and high energy, you&rsquo;ll be inspired to grow and thrive. Here, you will be encouraged to build on your strengths and acquire new skills and experiences.
We are committed to fostering an environment of inclusion that promotes mutual respect among all employees. Understanding and valuing these differences optimizes the potential of both the individual and the firm.
HarbourVest is an equal opportunity employer.
This position will be a hybrid work arrangement. You will receive 18 remote workdays per quarter to use at your discretion, subject to manager approval. For example, you may choose to work in the office 4 days per week and take one remote day weekly (typically 13 weeks per quarter), leaving 5 additional remote days to be used as needed.
The Credit Portfolio Associate plays a meaningful role in supporting HarbourVest&rsquo;s Private Credit team with capital raising, portfolio management, and operational execution. This position provides extensive exposure to portfolio operations, data management, marketing and fundraising activities, fund modeling, and the overall investment process.
You will collaborate closely with internal teams, including Credit deal teams, Credit Distribution, Quantitative Investment Science (QIS), Technology, Solutions, and Accounting, and coordinate with external fund administrators.
Please note, this role does not involve direct evaluation or execution of credit investments.
What you will do:<ul><li>
Perform portfolio and strategy-level analyses to support management decisions, client requests, and internal reporting</li><li>
Ensure data integrity by monitoring position-level accuracy and completeness</li><li>
Prepare and maintain the Private Credit track record for fundraising and client updates</li><li>
Develop and monitor essential performance and portfolio metrics for HarbourVest&rsquo;s Private Credit portfolio</li><li>
Build and update fund cash flow models to support planning and forecasting</li><li>
Maintain internal processes, workflows, and databases for performance and investment metrics</li><li>
Support central initiatives, ad-hoc projects, and operational improvements within the Credit team</li><li>
Collaborate with IT and data management teams to improve data reporting tools and automation processes</li><li>
Oversee and coordinate multiple third-party administrator relationships with daily and monthly portfolio requirements</li><li>
Assist in the evaluation and integration of new software or systems</li></ul>
What you bring:<ul><li>
Strong collaboration skills with the ability to manage multiple priorities and competing requests</li><li>
Solid understanding of credit markets, terms, and common LP data requirements</li><li>
Excellent analytical and problem-solving capabilities with keen attention to detail</li><li>
Effective written and verbal communication skills</li><li>
Ability to work independently and manage tasks with minimal supervision</li><li>
Technical proficiency in Excel, Word, and PowerPoint; exposure to SQL, Python, Power BI, and Snowflake preferred</li><li>
Familiarity with Allvue Portfolio Management is a plus</li></ul>
Education Preferred<ul><li>
Bachelor of Arts (B.A) degree or equivalent experience</li><li>
Bachelor of Science (B.S) credential or equivalent experience</li><li>
CFA and/or CAIA designation is a plus</li></ul>
Experience<ul><li>
3+ years of relevant experience in private markets, portfolio operations and analytics</li></ul>
#LI-Hybrid
Salary Range
$79,000.00 - $111,000.00
This USD base salary range represents only one component of total compensation for this role and is provided in accordance with local requirements. This role is eligible for a discretionary annual bonus, which is determined based on individual and overall firm performance. In addition to salary and bonus, total compensation may include eligibility for long-term reward programs and a comprehensive total rewards package that may include retirement, health, insurance, paid time off, and wellness programs. Our total rewards offerings are influenced by several business factors, and eligibility for certain components will vary by position and geography. Please note the posted ranges do not apply outside the U.S. and should not be converted to other currencies as a proxy for compensation in other countries.</div>

Associate, Portfolio Operations, Credit

City National Bank

<div>Overview:
<div>PORTFOLIO MANAGER I</div><div></div><div> 
WHAT IS THE OPPORTUNITY?</div><div>
The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits. Primary responsibilities include:</div><div><ul><li>
Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)' financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas.)
</li><li>This individual is expected to present credit recommendations within the bank's risk appetite and framework and follow the bank's policies, processes and procedures.</li><li>
This individual is expected to be responsive to their clients' credit needs with an elevated level of client service and credit acumen to address their needs appropriately and timely.
</li><li>This individual is responsible for the ongoing oversight and management of its portfolio (including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.)</li></ul></div><div></div><div> 
WHAT WILL YOU DO?</div><div><ul><li>
Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth.</li><li>
Portfolio Management: Owns and manages an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices, including underwriting all types of credit exposures, managing credit risk, and responding to prospective client inquiries.</li><li>
Credit Analysis: Analyzes credit data and perform underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk.</li><li>
Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.</li><li>
Data Analysis: Analyzes credit data to support underwriting and creditworthiness assessments including developing and presenting individual credit recommendations.</li><li>
Risk Management: Practices effective risk management, maintaining high standards of credit quality and origination in alignment with Bank&rsquo;s credit risk appetite, and compliance with institutional and regulatory requirements.</li><li>
Collaboration: Partners with Relationship Manager(s) to successfully manage credit account relationships. Work closely with cross-functional teams to ensure cohesive and effective credit operations to achieve the Bank&rsquo;s strategic initiatives. Participate in ad-hoc projects to support the organization&rsquo;s priorities.</li><li>
Client Service: Provides exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s).</li></ul></div><div></div><div> 
WHAT DO YOU NEED TO SUCCEED?</div><div>
Required Qualifications*<ul><li>
Bachelor's Degree or equivalent in Finance, Business or related field</li><li>
Minimum 4 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries required</li></ul><div>
</div><div><div>
Additional Qualifications</div><ul><li>
Basic experience in credit management and lending operations, with a strong understanding of risk management principles</li><li>
Desire to build leadership and coaching skills, with the ability to train and develop talent</li><li>
Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams</li><li>
Basic analytical skills, with the ability to interpret complex data and make informed decisions</li><li>
Industry-specific knowledge and expertise</li></ul></div><div> 
WHAT'S IN IT FOR YOU?</div><div>
Compensation<div>
Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.</div></div><div> 
Benefits and Perks</div><div>
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:<ul><li>
Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date</li><li>
Generous 401(k) company matching contribution</li><li>
Career Development through Tuition Reimbursement and other internal upskilling and training resources</li><li>
Valued Time Away benefits including vacation, sick and volunteer time</li><li>
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs</li><li>
Career Mobility support from a dedicated recruitment team</li><li>
Colleague Resource Groups to support networking and community engagement</li></ul><div>
</div><div>
Get a more detailed look at our Benefits and Perks.</div></div><div> 
ABOUT US</div><div>
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America&rsquo;s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.</div><div> 
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT</div><div>
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. 
 
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. 
 
<ul><li>Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.</li></ul> 
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.</div></div></div>

Portfolio Manager I

Lendo

<div>As Lendo continues to expand, we are looking for a Senior Credit Manager to support the growth of our lending portfolio through hands-on credit assessment, strong risk management, and day-to-day leadership of the credit function.
This is a highly hands-on role, ideal for someone who enjoys being close to the detail, making credit decisions, and working closely with the team to ensure high-quality and efficient underwriting. 
Key Responsibilities:<ul><li>
Evaluate the creditworthiness of potential customers by analysing financial statements, cash flow, credit history, and key risk indicators</li><li>
Review borrower applications end-to-end, providing clear recommendations on approvals, declines, and deal structuring aligned with Lendo&rsquo;s risk appetite</li><li>
Lead and support the credit team on day-to-day operations, including task delegation, prioritisation, and ensuring timely turnaround of credit decisions</li><li>
Ensure all lending activities comply with SAMA regulations and internal credit policies, maintaining strong governance standards</li><li>
Monitor portfolio performance, including repayments, arrears, and bad debts, proactively identifying risks and implementing mitigation actions</li><li>
Own and continuously improve credit policies and underwriting processes in line with business needs and market conditions</li><li>
Create and maintain product specifications and credit procedure documentation to support consistency and scalability</li><li>
Work closely with Product, Data, and Tech teams to enhance underwriting processes, automation, and decision-making capabilities</li></ul>
Qualifications:<ul><li>
6&ndash;10+ years of experience in credit risk / underwriting, ideally within SME lending or fintech</li><li>
Proven experience working within a SAMA-regulated environment</li><li>
Strong hands-on credit assessment experience with solid financial analysis capability</li><li>
Previous experience leading or mentoring a team</li><li>
Strong understanding of credit policies, underwriting processes, and portfolio monitoring</li><li>
Detail-oriented with a high level of ownership and accountability</li><li>
Comfortable operating in a fast-paced, high-growth environment</li><li>
Strong communication and stakeholder management skills</li></ul></div>

Senior Credit Manager

<div>At U.S. Bank, we&rsquo;re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at&mdash;all from Day One.<h2 class="jobSectionHeader">
Job Description</h2>
The Portfolio Manager partners with Relationship Manager(s) to successfully manage a portfolio of Non-Profit Healthcare Corporate Banking credit relationships. Grows revenue as directed by senior management by successfully closing new business relationships and retaining and expanding relationships with existing customers. Responsibilities include: underwriting all types of credit account exposure, managing an assigned credit portfolio, successfully closing new business relationships and expanding existing relationships, managing credit risk and responding to prospect or customer credit questions and making independent calls on assigned portfolio of relationships. Secondarily, provides customer service, participates in joint sales calls with Relationship Manager(s), and identifies customer needs.<div>
Basic Qualifications 
<ul><li>Bachelor's degree, or equivalent work experience</li><li>Eight or more years of relevant experience</li></ul> 
Preferred Skills/Experience 
<ul><li>Extensive knowledge of commercial/corporate lending and credit standards, policies, procedures and products</li><li>Strong relationship management and business development skills</li><li>Strong analytical and problem-solving skills</li><li>Excellent presentation, verbal and written communication skills</li></ul></div>
If there&rsquo;s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members&rsquo; whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:<ul><li>
Healthcare (medical, dental, vision)</li><li>
Basic term and optional term life insurance</li><li>
Short-term and long-term disability</li><li>
Pregnancy disability and parental leave</li><li>
401(k) and employer-funded retirement plan</li><li>
Paid vacation (from two to five weeks depending on salary grade and tenure)</li><li>
Up to 11 paid holiday opportunities</li><li>
Adoption assistance</li><li>
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law</li></ul>
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $148,495.00 - $174,700.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.</div>

Portfolio Manager - Healthcare Non-Profit. Institutional Client Group

United Bankers' Bank

<div>As a Commercial Loan Portfolio Manager at United Bankers' Bank, your analytical thinking, passion for finance, and talent for relationship building will support our dynamic lending team and play a critical role in ensuring the health of our loan portfolio, supervising the renewal cycle, providing strategic recommendations on risk ratings, and driving the success and growth within the UBB lending department 


The ideal candidate will be located in the Twin Cities and will have the option to work a hybrid schedule in the office 3 days per week, Tuesday &ndash; Thursday, after the initial training period. 

Essential Responsibilities
<ul><li>
Analyzes and underwrites Commercial customers and credit products that include Commercial Real Estate [CRE], Commercial and Industrial [C&amp;I] businesses, agriculture, bank holding companies and their subsidiary banks and individuals.</li><li>
Possesses considerable knowledge of Commercial credit policies, credit analysis, procedures and philosophy.</li><li>
Demonstrated financial and risk analysis skills.</li><li>
Has experience in structuring various types of Commercial credit and evaluating collateral with respect to value, marketability and control.</li><li>
Provides ongoing administration of an assigned loan portfolio including review of the financial and business status of the borrower and recommending risk rating changes when appropriate.</li><li>
Supervises the loan renewal cycle and works with the lender to facilitate credit approval and loan documentation as needed.
</li><li>Conducts annual reviews as part of ongoing portfolio monitoring.</li><li>
Resolves credit problems, delinquent payment issues and other related affairs.</li><li>
Monitors loan covenants to ensure compliance and follow-ups on any covenant violations.</li><li>
Develops strong relationships and ensures prompt communication with client banks and borrowers via written or verbal correspondence.
</li><li>Sends and tracks correspondence and follows up on loan requests in a timely manner.</li><li>
Verifies that loan bookings directly correlate with the terms of the approval.</li><li>
Assists Credit Administration management in preparing reports on loan portfolio metrics.
</li></ul>Knowledge, Skills &amp; Abilities
<ul><li> Bachelor&rsquo;s degree with formal credit training or MBA
</li></ul><ul><li> 5+ years of experience in Commercial underwriting and Credit Administration activities.
</li></ul><ul><li> Previous experience as a Portfolio Manager in a Commercial Banking setting preferred</li></ul>
<ul><li> Excellent verbal and written communication skills</li></ul>
<ul><li> Technical aptitude</li></ul>
<ul><li> Problem solving and presentation skills</li></ul> 


Benefits
<ul><li> Medical, Dental, and Vision</li></ul>
<ul><li> HSA with a generous company contribution</li></ul>
<ul><li> Medical and Dependent Care Flexible Spending Accounts</li></ul>
<ul><li> 401(k) plan with a 3% company contribution, plus up to an additional 1% match -Roth option available</li></ul>
<ul><li> 12 Paid holidays</li></ul>

To continue to learn more about our superior benefits package and apply for this position, please visit our Careers page at https://www.ubb.com/about-us/careers. 

Pay Range
<ul><li> $90,000.00 - $115,000.00 Salary; depending on education, qualifications, experience</li></ul>
<ul><li> Annual bonus target: 8% of annual pay dependent on company and personal performance
</li></ul>Headquartered in Richfield, MN and chartered in 1975, United Bankers&rsquo; Bank (UBB) is the nation&rsquo;s first bankers&rsquo; bank. Today, UBB has over $1 billion in assets, and is a trusted correspondent banking partner to over 1,000 community banks from the West Coast to the Great Lakes and South Atlantic. Our &ldquo;First for Your Success&rdquo; motto is a guiding principle that establishes the success of each and every customer and UBB employee as our number one priority. 

United Bankers&rsquo; Bank is an EEO/AA employer: All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status or any other characteristic protected by law.</div>

Commercial Loan Portfolio Manager

FTL FINANCE

<div>FTL Finance is seeking a highly analytical and strategic leader to drive the next phase of our credit and portfolio strategy. This role sits at the center of growth, risk, and profitability &ndash;&ndash; owning how we evaluate, price, and scale our lending portfolio.

As Director, Credit Risk, you will directly impact portfolio performance by reducing delinquencies through smarter underwriting and data-driven decisions; building dynamic, risk-based pricing frameworks to improve returns; and identifying and launching new lending opportunities across home improvement verticals. This is a high-visibility position with the opportunity to shape credit strategy, influence executive decision-making, and drive measurable financial outcomes.

Since 1996, FTL Finance has specialized in financing for residential HVAC and other home improvement projects. Based in the heart of Missouri, we take pride in empowering thousands of hardworking contractors nationwide to elevate their businesses and increase sales. At FTL Finance, our mission to make home improvement easier on everyone is demonstrated in our dedicated support teams, robust digital tools, and programs to help homeowners with all types of credit.

Join our team, where your expertise and strategic contributions will be welcomed in an environment that fosters growth, innovation, and success. Be part of a team that makes a real difference in the lives of contractors and homeowners across the nation!

What You'll Do:
<ul>
<li>Own portfolio performance by analyzing cohort, vintage, and real-time trends to identify risks and opportunities across all credit tiers &ndash;&ndash; from prime to near-prime and credit-challenged customers</li>
<li>Develop and refine credit risk segmentation frameworks to improve risk differentiation, uncover mispriced or underperforming segments, and responsibly expand approvals in underserved or under-optimized segments</li>
<li>Define and manage portfolio-level targets for loss, yield, and risk-adjusted returns, ensuring alignment with business objectives</li>
<li>Design and implement dynamic, risk-based pricing strategies to optimize portfolio economics and capital allocation, balancing growth, risk, and profitability while improving offer attractiveness and customer acceptance</li>
<li>Lead development and enhancement of predictive credit models (PD / Expected Loss), incorporating new data sources to sharpen underwriting accuracy and reduce delinquencies through low-friction approaches that preserve a simple customer experience</li>
<li>Establish governance and structured testing frameworks (e.g., A/B testing, pilot programs) to validate strategy changes and drive disciplined decision-making</li>
<li>Evaluate and size opportunities to expand into new home improvement verticals, providing strategic recommendations on capital deployment</li>
<li>Translate analytics into executive-level insights while building scalable reporting, automation, and decision frameworks that elevate analytical rigor, drive innovation, and support continuous improvement across the organization
</li>
</ul>What You'll Bring:
<ul>
<li>8+ years of experience in credit risk, portfolio strategy, or risk-based pricing within consumer lending, fintech, or specialty finance
</li><li>Proven track record of owning portfolio-level decisions and driving measurable improvements in performance (e.g., reducing losses, improving pricing, increasing returns)
</li><li>Hands-on experience translating credit performance insights into underwriting, pricing, or policy changes that deliver business impact
</li><li>Deep expertise in consumer credit risk modeling frameworks (PD, LGD, Expected Loss) and portfolio analysis (e.g., vintage, cohort trends)
</li><li>Experience designing and implementing risk-based pricing strategies, including market benchmarking and return optimization
</li><li>Strong analytical and problem-solving skills, with the ability to work directly with data and guide model development
</li><li>Ability to communicate complex analytical concepts clearly and influence stakeholders across credit, finance, and executive leadership
</li><li>Experience building or improving scalable processes, reporting, or automation to enhance decision-making and efficiency
</li><li>Demonstrated ownership mindset with the ability to operate independently and drive initiatives from concept through execution
</li><li>Strong technical fluency with the ability to partner effectively with analytics and data teams
</li>
</ul>What You'll Get:
<ul>
<li>A dynamic, fast-paced, fun and inclusive work environment (with always-stocked snacks and beverages!)
</li><li>Annual company parties and fun team events
</li><li>Growth and development opportunities
</li><li>Hybrid work arrangement (3 days in-office/2 days remote)
</li><li>Monthly team celebrations and luncheons
</li><li>Excellent offerings under our group benefit plans for medical, dental, vision, FSA, etc.!
</li><li>401K plan with a company match of up to 4%!
</li><li>Generous Paid Time Off (PTO) plus 13 paid holidays</li></ul></div>

Director, Credit Risk

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